transparent
Custom color #:
close
Move up Move right Move down Move left
Set Show more as default view Set Show less as default view

New? Join now!


Health Insurance

houville
Here since: Jul 27, 2005
Female, 42
Licensed Insurance producer
American Family Ins
Union Star, Missouri, USA

My husband and I have been married for 18 years, we have two surviving children.(our oldest, Taylor was killed in a car accident 5 yrs ago) Said accident cost me not only my child, but also my life partner. My husband survived, but he is in NO WAY THE SAME MAN I MARRIED. He is disabled and on SS.

I work, but have mental issues surrounding the accident, subsequent loss of child, husband, etc.My medicaid has been terminated as I am "gainfully employed" and make too much to qualify for state aid. My medications are what allow me to stay in the present, and functioning for my family.

Things have gotten so bad now, that I'd just rather die than to keep fighting the system that cuts my throat, and shits down my neck every time my life stabalizes.

I need medical insurance but I can't afford it. Especially when it would exclude my mental health issues.

I need help with the mortgage on the simple home we have in rural upstate Missouri. 

Can anyone help me??? 

sammiesue
Here since: Oct 24, 2007
Female, 58
disabled/bipolar
Languages: english
Mental Health

I am a 40 year old mother of twins, with a traumatic brain injury disabled husband who works part-time and has mental health issues. I have lost my Medicaid through the state of Missouri and need help with monthly mortgage, and medications for my husband and myself.

Linda29
Here since: Aug 23, 2007
Female, 29
Orlando, Florida, USA
Languages: English & Spanish

Hello Everyone!

I am a young, single mother of five beautiful kids and I am here to try to find help for my family's medical and educational needs, among many. I am also here if anyone needs someone to talk to. I love to help and will help anyone in any way that I can :-). Below are 2 pictures of my babies. The first one is of my four oldest last year on Halloween and the second is of my 3 month old little cutie.

Your Oxygen
Here since: Mar 15, 2008
Female, 32
wevridge
Here since: Feb 12, 2008
Female
store clerk
Languages: english
jo k
Here since: Feb 18, 2008
Female, 62
looking for employment
Cedar Park, tx
Languages: English

My husband died unexpectedly, he did not have life insurance or health insurance, he was never ill. Two months later, I lost my job. The next day, I filed for unemployment and registered with the TWC for help to find a job. I received unemployment until August. I applied for every job that I qualified for in the TWC listings, there were many, I only got a few interviews. I am not sure that the job postings were up to date, so many of them sent me responses that the jobs were closed. Some jobs were posted a day or two before they were to be closed. I have sent out so many cover letters with resumes and applications. I have checked with my references, no one has contacted them. I feel like I've been sending out paper airplanes into empty space.  Many of the applications have gone to State agencies which list job vacancies.

I am diabetic and am out of my medications, I was on the Aim Low program in my county, in August they sent a letter about changes, I called to be rescreened (first screened in May) and was told to call back later, this is what happens each time I call, I am clearly qualified. Initally, in May, I applied to several of the prescription assistance programs and was approved, they were sent to the Aim Low pharmacy. I found out by accident that they had arrived and had been there a month without my being contacted. I finally received them but have received none since and have not been able to see a nurse/dr for refill prescriptions. I don't know where to turn as my diabetes cannot be ignored. I am following what I've been taught in managing my diabetes, but that is not enough without the meds I was prescribed by my doctor while I was still working and had insurance. I have lost alot of weight (40#) and my blood pressure has dropped to a much lower rate than it has been in more than 20 years. I think those factors have helped me with the diabetes complications. 

I receive a survivor's benefit from social security, but it is only enough to pay my rent with $34. left over, I am behind on my utilities and must seek help to get reconnected, often. My car engine light blinks constantly and it runs "rough" needs spark plugs changed and maintenance work, so my gas mileage is poor. On the weekends I set up with an art group to sell note cards that I paint, and some jewelry that make with left over supplies from better times while my husband was alive and we were both earning. I sell a little, usually enough to pay my booth fee and gas money and a little extra used for food during the week. My back, arms and hands are beginning to be stiff from the loading and unloading each week. My hands ache for days and swell. I don't have medication for that. Last week my allergy to smoke flared up and I have had nerve pain in my jaw, ear and head that is almost unbearable. 

I have a daughter about 20 miles away who ignores me since I asked her to keep my dog, a Lab named Lizzi for 3 days so I could go to help my younger daughter who was having a myelogram to determine therapy for an injury she is still suffering from that was not initally treated properly. She has alot of pain from her injury and is in physical therapy, that is not covered by her insurance. She works, but the therapy is very costly and she does not have money to help me with. My older daughter works and has a partner, who also works, but requires alot of her attention and 3 adopted children.  They do not communicate with me since I asked them to keep Lizzi for those 3 days. They have 2 dogs and 4 cats and a big fenced yard. Several years ago, when they were living in a condo, they dumped Lizzi with us when they didn't have a yard. Lizzi is very well trained and is always on a leash with me. the vet told us she was traumatized and that she should not ever have to stay in a crate, for any length of time. She loves them and is always so happy to be with them and gets along with their dogs and cats. I am sad that my older daughter seems lost to me. I am so alone. I do have kind neighbors, but to have family that is so close, but distant, is sad. I try not to think about my older daughter, hoping that she will call are show up someday. My younger daughter cannot make trips to visit often as her injury makes a 3 hour drive each way, something very painful to do, and not miss work when she gets back.  I need help and suggestions of how to move ahead, I am not old enough to retire at 62. I have alot of energy to give, just not enough money to make ends meet. I guess I really need caring attention, most of all. 

andysgirl
Here since: Apr 18, 2007
Female, 46
housewife, mother/grandmother
hazel, Kentucky, USA
Languages: english
I am an everyday housewife, mother, and grandmother, My husband is a very hard working, underpaid, and under appreciated veteran Owner/Operator, Truck driver. He is an honest, loving husband, and is in very bad health. We have no medical insurance, and cant afford the Dr. bills, and treatments he needs, but according to the Ky state welfare, we earn too much money to qualify for gov. help. They only go by the gross amount you earn monthly, not by the actual amount you recieve, and he pays for all of his own diesel fuel out of our pocket, along with all truck payments, and maintanance. He has extreme high blood pressure, and CPOD, mid range, also we recently learned he has an S4 gallop rythm in his heart, and is a major candidate for either a stroke, or heart attack. My husband is a wonderful father, of five, and grandfather to six, however, he is still a young man at 47 years old, but health wise, he is more like 65. PLEASE, if anyone out there can find it in your heart to help me, help him, I don't work, as I am a stay at home grandma, raising one of our young grandchildren, I need financial help desperately, to pay Dr. bills, and to pay for additional medical help my husband, Andy needs, as well as medicines he needs to regulate the blood pressure. We live very modestly, in a mobile home, we dont have much, but are happy, until this major health crisis arised. I am only asking for help to help him, I love my husband, and dont want to lose him. Thank You, in advance to anyone who takes the time to read this, and to anyone whom might help with money, or prayers,           sincerely, andysgirl
manfriday65
Here since: Apr 17, 2008
Male
pca
blaine, mn
Languages: english
no rest for the weary
Here since: Mar 5, 2008
Female, 34
chattanooga, tn
Languages: english

Hello. I am new here. I found this place by searching on google for: I'm desperate and need help immediately. Here is my life. I am a married christian woman and I am a 34 years old. I am a mother of 3 children. 8 yrs old, 14 yrs old and one turning 16 in a few weeks.

This is the most difficult time in my life that I have ever been through.

I was recently diagnosed with an extremely rare form of cancer. I went to the ER one night for chest pains. They did an xray and found a huge tumor in my lung. I had never been so scared in my life. It was devastating. They hospitalized me for a week and ran all kinds of tests on me to diagnose the cancer and the extent of it. They did a biopsy and found out that it is an extremely rare form. As in they thought the diagnosis would be wrong. Apparently the odds of getting this type of cancer and in the way I had it present, I had better odds of winning the lottery than of getting this type. It was found in my lung, which isn't the usual primary spot for this type of cancer to be found as a primary lesion, it isn't lung cancer. It is usally only found there as it metastisises to 2nd - final stage. So they were shocked to say the least. Apparently some people, as in only an extremely small percentage of people, are genetically predisposed to getting this type of cancer. It is some form of genetic flaw. They told me that this type of cancer category makes up 1% of all cancers out there. The way it presented in me happens in 1% of the 1%. That is what I mean when I say rare! You can almostjust name the people that have had this cancer like this. They wanted it surgically removed and told us the best place would be at Northwestern in Chicago for us. That presented a lot more problems as in we couldn't afford to do all that. My husband was making good money and we had insurance, but nobody plans for this to happen. We couldn't afford to travel, so this was going to be difficult.

So another month and lots more test inbetween later. They told me that they found a second lesion, this one on the left front side of my skull bone, on my forehead over my eye. They had no idea what this was and thought it wasn't the same type as the other tumor. This is all they could tell us besides this one wasn't as life threatening at the moment as the first one they found. So we took all the money we had and some small donations from our community and fellow christian group brothers and sisters and on the wings of thousands of prayers and headed off to what I began referring to Chciago as was "My great Land of Oz". when I got to chicago they had set me up with a specialist to take a look at that 2nd lesion as well. He said it is an anomally, never seen anything like it in his life! That obviously wasn't comforting.

So I meet with the surgeon for the primary lesion and got things ready for the surgery and we headed back home to wait...more...while they make a plan of action. Then we get the surgery date set and off we go. Financially at this time we are barely hanging in there. And it is time to go back to the land of oz, so I go up for the surgery and I feel so Blessed. Blessed to have all of the prayers that took us there the first time and then again and blessed to be able to be there in the first place. Expecting a miracle from the great "wizard" Of my "OZ". Surgery goes off with lots of hitches. Had an artery cut during surgery and needed an entire blood transfusion, heart got off rythm during all of this and I now deal with that problem/additional medical cost as well. But I, was unbelievably lucky to still be alive. That...you can never complain about. Got home and saw my original Dr and found out I had developed blood clots on the trip home after surgery. Another week in the hospital while they got them under control. Once again, I was fortunate not to have died from those. Two in my lung and one in my leg.

As if the excitement and being overwhelmed doesn't stop there.. My father during all this is in the final stages of his cancer. My mother is going out of her mind with worry for the both of us. I mostly feel bad for her. I can't imagine what she is going through. It must be sheer agony. I have never been one to feel sorry for myself. I knew right from the start of all of this that God had a plan for all of this and that it was bigger than me!! So I know after all of this that with everything that happened I still have time left on this Earth, if not then any one of those things would have taken my life, let alone all of them together.

So we get back from the Land of Oz, tattered and torn, but still here to tell about it and that is what matters. The week we got back my husband lost his job do to major down-sizing. This was another devastating blow to say the least. My trying to live stress free so I could heal faster was going to be a huge obstacle at this point! My husband still hasn't found a job. We are about to lose his insurance as we can't afford to keep paying this huge amount to cobra with no real income to speak of. I can't work. If we lose our insurance I can just hang it up. As we won't be able to receive the care that I need for cancer and if I have to go through another bout with it wouldn't receive the type of care necessary to aggressively treat it which is the only way I would be able to beat it. I am so worried about this. It is also time for my first check ups after the surgery to make sure the cancer hasn't returned/spread. I have to do that every couple of months now for the next year. As this cancer is so aggressive that it can take your life in a matter of a month or two and we still aren't certain that they got the primary spot due to the fact that a lot of times it isn't ever found until it is too late, with this type, along with what I previously stated about this not being the usual primary spot for this cancer that we are dealing with. There is no way with our immediate financial emergencies that we can get back up to Chicago to see my doctors. I am going to have to do this locally for right now. But at this point can't even pay to go in and the time is beginning to tick away. We spent the last of what we had for food this week.

With my husband still not working we have been losing major ground on all of our financial obligations. Most serious and desperate is for our home. We are 3 months behind and are about to lose it. We just paid electric but everything else is about to be shut off, including internet. I know what most people think if someone is saying they are desperate financially and have the internet to say it on...But to us it will be another devastating blow as that is how my husband has been helping us get by with little bits here and there in side jobs. He is a programmer and needs the internet to do what little work he can get and to look for a permanent job. Most computer jobs you have to find online now a days and have email and internet.

So.. this is our situation I am not proud to say. I am never the type of person that asks for help. This entire ordeal has been trying for me in that way. I am Mom, so I am always the helper, the problem solver. Even for those outside of our home. I am always the one offering my help, until recently. I don't know what to do. I am so stressed. Tomorrow is D-day for our home. My daughter turns 16 in a few weeks and that is not what I wanted to get her for her 16th b-day, homelessness. My husband and I have been so stressed throughout so much of this, my entire family to be honest. We are barely hanging onto our marriage. Everybody, including myself was so afraid they might lose me. That threat is still something we have to try to face every day along with all of these other problems. All of this wears you down over time, even if you are just glad to still be here. You get to a point where you look and say why, so I can be so stressed that I get sicker and sicker or so I can keep watching my family stress and suffer? Doesn't sound like a sound enough reason to me. Feels like God has vanished, although I know in my heart he hasn't, and I still have faith.

I just see no way out of this downward spiral. I tried to go to bed earlier but laid there for a couple of hours adding up all of the money we owe in my head until I fell asleep then woke up realizing that even when I fell asleep I continued to do that. So, I got up and found this place.

My prayer is this: God, we aren't able to do anything with this mess we are in right now. But I know that you can and that you will provide for us. I have faith in you and have seen you work miracles in my life before. My life is one of your miracles. Please Love on us and bless us now with a good job for my husband, good health for me, my father, and my sister. Financial relief from our immediate financial burdens and for our families' financial burdens. Please give us peace in our hearts, minds and souls. Please help us to love and support one another the way we should. I can't carry these burdens any more...would you please carry them for me? Amen.

Unemployed with Uncontrolled Hypertension and Arthriritis
Please help, I am a Christian male with health problems and no health insurance and unable to perform many jobs due to my condition.  I am drowning in bills and have no one to turn to. 
State Insurance Department Websites




Do you have a question about your insurance? Not sure where to go or who to ask? Here is a site (courtesy of
Elaine - THANK YOU!!! ) which lists the state insurance departments, their sites, and any/all information about insurance. 


STATE INSURANCE DEPARTMENTS





Silk Purse
Here since: Apr 28, 2008
Female, 48
Out of work/Stay at home Mom
Cary, NC
Languages: English
GROVEC5
Here since: Mar 27, 2008
Female, 35
INSURANCE AGENT
RICHMOND, VA
Languages: ENGLISH (SOME SPANISH)

Hi - My name is Cindy. I am seeking out people who are middle-class and being denied assistance by our govenment. I am looking forward to advice on how to turn my situation around. 

I am a single mom making $40k a year (which used to be considered good money). But, I receive no child support my son's father (literally nothing ever) and with the cost of daycare and everyday living expenses such as car pymt, gas, auto insurance & healthcare costs. I have had to move home with my parents!! At 34 yrs old!! And I still don't have a damned dollar in my pocket even now that I have moved back home! I have no healthcare plan for myself because I can't afford the additional premium. Therefore, coverage is only on my son...AND I STILL PAY OUT OF POCKET FOR MOST MEDICAL SUTUATIONS DUE TO THE PLAN HAVING A $1500 DEDUCT!! HA! I can't even cry about it anymore. Additionally, I pay taxes for no reason because I get paid "too much" to qualify for food stamps or any other form of gov't assistance (which I am embarrassed to say that I really need).

 

privatedancer
Here since: Mar 31, 2008
Female, 57
Educator
Tampa, FL
Languages: English
Anthony2
Here since: Mar 29, 2008
Home
Ocala, FL, USA

I would like to know how I might be referred to a doctor for my lower back, since I am a self pay patient.

Starrock
Here since: May 5, 2008
Female, 52
San Francisco, california
Languages: English
We look for advices, money and any help. Thanks!
Time is limited !!!

Life is a chain of events, road that leads us though bright peaks and dark valleys. Nobody knows what the next day will bring us.

May be some of you have met Gergana – young and smiling girl. She never complains and doesn’t want to disturb anyone’s happiness with her problems, so just a few people know that she fights Diabetes already for 19 years. Her diagnose is Diabetes Type I. Her childhood passed between screenings, tests and hospitals. How much strength she needed, despite these difficulties, to be able to be one normal child, a girl, that has friends, enjoys their company and loves singing.

For the last 4 years, Gergana lives with her family in Las Vegas, Nevada. Unfortunately, the disease is rare, progresses, leads to complications and is harmful for other organs. For the last 2 years Gergana has had 4 surgeries: 2 cataract surgeries on both eyes and 2 glaucoma surgeries on the left eye, which have not brought the expected results and let to loss of vision with that eye. Constant use of multiple antibiotics and drugs caused severe harm to her kidneys too.

Since August 2007 the situation is critical. Gergana needs dialysis three times per week! The doctors suggest an urgent kidney transplant.

The disease and her condition do not allow Gergana to work or study, and there is no way for her to obtain health insurance and she was refused any financial aid from the government. So far, Gergana’s family is struggling with its own efforts and money to make payments on the numerous bills; to go to work and to spend long hours in the hospitals and doctors offices with their daughter, and at the same time to keep faith and hope! There are clinics that can make the transplant, but the family cannot afford it.

PUBLISHED BY BULGARIAN-AMERICAN ASSOCIATION OF NEVADA

Clcik here to send donation (PAYPAL BUTTON) 

Additional information: Gergana is 26 year old and she has a Green Card - she is legal permanent resident of Nevada, USA.

We - Bulgarian-American Association of Nevada and friends of this family, are trying to find additional information and to collect money to help Gergana. Her family needs information, legal and financial help. Is there any way to find health insurance plan for her.
(Her mother has health insurance, but due to Gergana's age, she cannot be added to the plan. Do you know any other way?)

diver
Here since: Feb 18, 2008
Male, 57
now disabled..was a shellfish harvester.scuba diver
warwick, rhode island
Languages: english

i was dxed with malig pancreatic cancer in 12,2004 2nd dx from another dr. was still cancer and under went surgury.huge operation i came out after 2 weeks and still alive ,one of the lucky ones ,i went back to work after 3 months..the cancer i have is 1 in 8,000,000 people in 2006 i developed 3 venteral hernias beside my insion.i have not been able to work since then for a few other med problems,i have spent all savings ,sold most belongings,lost my life insurance,the cost went up it was a 10 year policy ..expired.lost in credit card depit,blue cross is being lost 2-29-2008 cant pay and i have a date with surg for abdomanol hernias in march i have no where to turn...i can prove all this i have all med files!help ,thanks diver

maxx is in trouble
Here since: Feb 14, 2008
Male, 47
disabled
port charlotte, florida
Hello everyone,i just stumbled upon this site and it looks promising,people helping others,i'm in desperate need of some type of grant or maybe no interest,low interset,non repayment government type loan.i've been on SSI Disability for eight years now and i was finally able to purchase a small home in jan 2004,,six months later my home was sacked by Hurricane Charlie,thru all the confusion i was ripped off by three so called contractors,two quarters of my home was repaired but then the credit card problems started,to date i have twelve cards that are at high limits totally approx 16 thousand plus a second mortage at nine thousand and my monthly utilities,insurance,mortage,electric etc at about eight hundred fifty dollars,my monthly income is 1100.00 social security disability.i have tried just about everything i have not been late on any of my payments to date but now i've run out of money to keep everything current.i can't foreclose because i'll have nowhere to go,this is a highly depressing situation ontop of my medical problems i'm very near my end of the rope.please all i need is some help guiding me towards some solutions,i can repay a little at a time but i also need to eat which has been tuna on tuna rice,noodles.please help me find a government loan or grant low or no interest,thanks in advance for your help,,Maxx,,i can and will repay slowly or gov non repay loan would be great if such a thing exists,,many mahalos
I have a hernia and cannot afford the surgery!

 

        Hi! My name is Garrence Kennedy 42 years old and I reside in Milwaukee, WI. I was diagnosed with a Hernia in November of 2006, and have been unable to have the surgery or to find a good paying job as they all have some physical work. I am currently earning $8.00 per hour and cannot raise my Ten year old on those kind of wages. The company I work for has not offered me any health insurance, any kind of aide. If any one knows how I might be able to come up with the money for the surgery, please let me know. I will accept any kind of help that is given. PLEASE HELP!

jesdesign
Here since: Apr 8, 2008
Male, 40
painter
milwaukee, wi
Languages: english

I'm a divorced man with the custody of my three kids. The wife left town with the boyfriend, I had just graduate trade school in Texas and came back to be with my kids. At which time the wife left, thinking no big deal I'll raise the kids. I had a in out of state the paid well at first, then I started having car problems. Lost the job, at the time the kids and me where living in a friends basement. He also had three kids,things got rough with the friend and the kids and where put out. I had some money in the bank and looked for an apartment, but the wife had a very large ultilites bills that had vto be paid before anybody would let us in. Now the money gone we where in a homeless shelter for two montyhs then a hotel room for four months and now in a apartment for the last five years. But now the school loan, car payment to rebuild my credit, and the cost to feed, clothes the kids when i can, is too much to handle. I NEED MONEY!!! to pay off my student loans and money for a down payment on a house, and money too start my own business so my kid fully understand that no matter how hard life gets if you work at it you will get it. So please help me get the funds to change my life totally around so my kids can believe in me again.

 

reanala
Here since: Mar 18, 2008
crazy k
Here since: May 13, 2008
Female, 40
data
Mobile, al
Languages: english

Times are difficult for everyone right now...so I don't know why I'd come to this site to see if I could get any assistance with my financial problems...I read some of the stories/comments and I really don't feel like I have a problem anymore. I mean, I work 40 hours a week, so does my husband, but we can't make ends meet. Everyday it seems like something else happens to put us back further.  We haven't had food in our house in months, but we get by.  Our rent is behind by 1 month, but it could be worse(we could be sleeping on a bench, or behind a building).  I guess I'm thankful for the situation I'm in right now...after reading I don't have it as bad...I wish I could help some of these folks myself.

2 1/2 years ago I decided to get off ALL chemical substances (my doc was crack-cocaine, weed, and booze). I thought i was always broke back then, but now that I pay my bills it's even harder to stay above -- I call it the "wreckage of my past...." It haunts me day and night, but I'd rather be clean & sober and be broke than to be an addict and be broke.  I hold onto my faith to get me through each day, and I know eventually I will see the light, and I'll come out on top. So if your struggling -- hold on, your time will come...their are people around us who want to help, they're out there.  Just keep the faith.

 

 

Aishahloves
Here since: Feb 22, 2008
Female, 25
Cosmotogist
Lithonia, Ga
Languages: English
mari4
Here since: Apr 29, 2008
Female, 39
cashier-deli-waitrescounter person
newark, new jersey
Languages: english-spanish-portuguese-brazilian
I'm a single mom out of a job for three months and looking.The landlord told me last month to be on time with the rent.He said that I will be kicked out of my apartment if I dont pay in full.My utility bill is past do two months soon they will shut me down.Iam short on my rent only $75.00 and my utility is $350.00.Please help me and my daughter? Thank you.
jadesmage
Here since: Mar 31, 2008
Female, 40
Mesa, arizona

Well, I have been currently on workers compensation for 2 years and as of last tuesday fell again and broke the same wrist that workers compensation just paid for to fix. I may need surgery again and about to be foreclosed on if I can not come up with 528.54 by Thursday this week. I have been told that I have to pay back workers compensation on top of not getting a check this month from them. My husband is diabetic and has multiple health issues that limit him from working so I don't know what to do my income was the soul income. Please if anyone can help I will try and pay you back. I just need some help to get out of the rut I am in. Thanks sad and feel out of control.

spacefish007
Here since: Apr 4, 2008
Currently unemployed Interior Design Consultant
San Francisco, CA
Languages: English

Six months of being unemployed and diligently looking for work...I can't take it anymore!  I was formerly employed as an Interior Design Consultant but was forced out due to huge cuts made to my salary and hours, as well as change of location for my services (would've been over an hour and a half commute versus 10 minutes) due to slow business.

As of right now, my bank account is negative $1300.  I need help, support, recommendations, advice....anything!!!

 Thanks!!!!

Passionmil
Here since: Apr 10, 2008
student
Sparanburg, SC, USA
srb124
Here since: Apr 17, 2008
Female, 43
unemployed
new franklin, mo
Languages: english
1 of 3   Next ->   last page