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no insurance

Husband almost died July 2006
     On July 25, 2006, my husband was setting a boom lift for high painting job.  We started our own business 2 years ago.  He did everything the rental company told him, and the next thing I knew he was screaming bloody murder.  This 2 ton piece of equipment malfunctioned and drug him down thru the yard/road, then ran over his right side.  He had a huge gash in his right hand (needed 25 stitches), numerous abrasions/cuts on his back/both legs/both arms, dislocated and broke his right hip (3 screws put in), collasped his right lung, smashed his liver, and tore his right kidney into 3 pieces.  He spent 7 days in Trauma ICU, where we didn't know if he was going to live or not.  We did not have insurance, due to it was too expensive.  We do remodeling and home repairs.  People that started out as customers at one time, ended up being really good friends.  They sent us some money to help out while he was at home recouperating, which took months.  I am unable to work due a botched back surgery 12 years ago.  I couldn't touch the doctor due to all this medical malpractice insurance that was in the news.  No other doctor would testify against him.  Now I am unable to work due to all the damage he did, and I am on expensive pain medications for the rest of my life.  We hired an attorney to handle his case, but it could take years to settle.  We were almost out of debt completely when this happened, now we have medical bills exceeding $100,000.00.  Most have been turned over to collection agencies and I can't take the phone calls or stress anymore.  We applied for assistance, but here in York, if you are white and need help-forget it.  We would do anything in the world for anyone if possible, and we didn't deserve this.  I am trying to help my husband do some of this work, but it is really hard on both of us.  The doctors told him he will need a complete hip replacement in the next 10 years.  He also just got over having brochitis.  Now we have to watch him due to his lung being collapsed.  If he gets sick enough, his lung can collapse again.  We have been together for 18 years, and both come from families that are really messed up and can't help.  We also have 2 dogs and 5 cats, all of which we have had for at least 7 years-there is no way we can let them go.  We just want to be able to pay our bills and have enough to eat.  Anything that anyone can do to help would greatly be appreciated.  I don't know what else to do. Please help!!
Single Mother of 3 with Pregnant Child

I am a single, divorced mother of three (ages 22,17, 10).  Three months ago, my oldest daughter was abandoned by her fiance when he discovered she was pregnant.  She had just been laid off her job at a lawyers office due to cash flow problems at the firm.  She has always suffered from depression and gastroenteritis, and she has been incapcitated by this break up.  At 7 weeks, her placenta tore, so she has been unable to seek employment to help alleviate the expenses.  She has no insurance.  The doctor alone will cost $3,100 if no other complications or special services are required.  She has already incurred 1 trip to the emergency room for the torn placenta.  I take home $1,918 a month with $875 going to rent, an average of $250 (winter) and $350(summer) in electric bills, $60 to $70 in gas bills, $70 in water bills, in addition to telephone, gasoline and food bills.  The $500 a month that must be paid to the doctor thru the 7th month takes me to my limit.  I am seeking a grant to help alleviate some of the expenses until my daughter is well enough to participate in the funding of this pregnancy.

k_a_rouse
Here since: Mar 21, 2008
Female, 23
Cashier
Alstead, NH
Languages: english, and some spanish

Hi. My name is Katie Rouse. My teeth have been very bad since I can remember. When I was twelve, my mother brought me to the dentist for the first time. I had four cavities filled. I was covered under medicaid and I also received retainers around that time. I chipped a tooth and had it fixed a couple times and we talked about braces, but my dentist said my teeth were so soft they would be afraid of them breaking. They also noticed at this point that my teeth were rotting from the inside out and perscribed me extra floride tooth paste which would slow down the procces. My mother than took me off of the medicaid before I was 18 so that she could enroll her self in a program that would allow her to receive 5,000 dollars to help her buy a house when I turned 18. She had no other isurance coverage for me, only for herself. My father only paid 64 dollars a week in child support so I saw no help from him either. I didn't have insurance until I could get a full time job and afford it on my own. I resented my mother for a long time because of her decision. I felt it was unfair and cruel to let me suffer. I have forgiven her now and she has appoligized and wishes she could help. When I was 19 my teeth were so bad that I couldn't eat much and I was taking about 32 hundred mg of ibuprofen a day. This went on for about a month, but I started running high fevers and developed numorous infections in my gums. My regular dentist couldn't see me, so I called an oral surgeon in my area. He got me right in and schedualed an appt. immediatly. I had 6 teeth pulled by him, and 2 years later I developed an absess at the root of my tooth and had that one removed as well. My job situation changed and my boyfriend bought a house. I pay him rent to help him pay the mortgage, but I don't make enough money to get insurance. I have tried looking for other jobs, but we only have one vehicle so our hours have to be the same. He has a decent job and makes enough money to make ends meet. Right now my money buys us groceries, pays for gas and small bills. I also pay him 300 a month towards the 1000.00 dollar house payment. I've applied for loans, but my credit is very poor. I made stupid decisions when I was younger and my credit now suffers for them. My father and I have mended our relationship, and he has since offered to help, but he was diagnosed with oral cancer a year ago and had 80% of his tounge removed. He can no longer work because he suffers from severe seizures since his radiation. He lives on 1150.00 dollars a month in social security. The only way he could help is to take out a loan, but since he doesn't work he cannot get approved. I can't bring myself to take about four of his paychecks even though he would give anyone the shirt off his back. I'm getting off track now, and I appologize. I really just need to catch a break. I don't have one single photo of myself smiling with my mouth open. Not in school pictures or anything. My confidence is so low. I can't even eat some of the healthy foods that I love. I have tried dieting, but my teeth are so brken and soft that I can't bite into carrots, celery, granola bars. Also, a lot of my teeth are broken to the point where my nerves are exposed and even biting into an apple irritates them. I can barely even brush my own teeth. I feel disgusting, and I can't even beleive that I found a man who loves me the way I am. He wants to help, but we would have to be married for his insurance to cover me and that isn't an option right now. Even with insurance the out of pocket cost is rediculous. My biggest wish is to be able to laugh and smile with my friends and family without being so sad about myself. I want to go my high shool reunions with out the same teeth they remember me with. I want to feel well. I want to be healthy, and I don't want to live on Ibuprofen anymore. It mean the world to me to be able open my mouth and show the world a beautiful healthy smile. I pray to God everynight for a miracle, because that is exactly what I feel like it will take for me to afford the extractions and the dentures that I need. I'm only 24 years old, but I don't want to live another day with a sore, unhealthy, unaatractive mouth. My friends know me as a happy funny quick-witted person, but they don't see the tears behind my jokes. I don't want be sad anymore. istead of hiding my sorrow, I want to share my joy. So please help me put a bright ,shinning, healthy smile on my face that I can show to the world.

 

You can E-mail me at K_A_Rouse@hotmail.com or find me on myspace at www.myspace.com/katie_anna

 

Thank you so much for any suggestions or help that you can offer.

bipolar struggling single mother without meds

i am bipolar and have not been able to afford my meds since november.  I thought i was doing okay, but bad things keep happening.  My son is in rehab for addiction, my mother has had two heart attacks, and my daughter had a spine surgeyr for scoliosis and got staph in it and they had to do a second surgery and she had a picc line in for 3 months.  Im divorced from an abuser of 23 years.  Im do medical typing and only get paid when im typing.  When i had to take care of my daughter and help my mom, i lost so much and had to take the equity out of my house.  I do not have any health insurance as I am considered an independent contractor so I have to pay for self insurance and it doesnt cover any of my bioplar medications.  Just my paxil was 228.00 for 30 pills, and I cannot afford to buy it anymore. Im so depressed that Im sleeping and giving up.  IM losing my home and its for sale right now.  I cant afford to go back to the psychiatrist because the bipolar meds they prescribe for me are brand name and my insurance will not cover.  i cannot afford a better plan.  theres so much more, i am just so desparate to get back on my depression medications without being manic so i can care for my family and just keep dinner on the table.  Im 45 and its becoming too much.  Im in menopause and cannot afford the hormone treatment which is also contributing to my depression.  I have lost about 30 pounds from anorexia from the depression.  Its 5 pm here now and i havent eaten all day.  i really just wish someone could help me.  The drug plans that offer free drugs, they take up to 90 days, and they only give small supplies, and i dont even qualify.  My income is considered to be at the federal poverty level, but yet when i turn for assistance, they say i make too much.  what can i do?  im so tired.

cb's nana
Here since: Aug 22, 2005
Female, 50
customer service rep
Texas, USA
Languages: English
I am 48 years old and have been divorced for 8 years.  Money has always been tight and everytime I think I am about to get ahead, something sweeps my feet out from under me.  My daughter inherited her depression from me.  I have been diagnosed with Chemical Depression.  When my oldest was 17, I had a complete breakdown.  She was my strength and provided the emotional support to get me thru one of the worst times of my life.  I had been thru a divorce, lost my father to cancer, nursed my mother thru her own bout of suicidal depression, had a breast cancer scare (4 tumors diagnosed as pre-cancerous), and had a hysterectomy all within 2 years.  It proved more than I could cope with.  Despite her young age, she fought not only for my sanity, but to keep our family together, taking on a role of suragate mother to her younger siblings.  Together, we pull thru it all.  Despite having recurring bouts with gastroenteritis that put her repeatedly in the hospital and caused her to miss over 6 months of her junior and senior years, she graduated in the top 10 percent of her high school class of nearly 500 kids as a member of the National Honor Society.  I have always been extremely proud of my daughter, and it is now my turn to return the favor she gave to me.  Three months ago my daughter was abandoned by her fiance after he learned that she was expecting their baby.  She had just been laid off by her job and had no insurance.  It is my hope to provide a peaceful and safe pregnancy and delivery for her first child.  This is a child, not planned for, but much loved.  Due to many health issues, doctors had repeatedly told her from age 14 that she would probably never have a child.  This is a child we will always celebrate.  My daughter is going thru this experience without a spouse, but I will do everything within my power to make this a joyous experience for her.  I gladly take on the financial burdens of this pregnancy and will try to give her as much time as possible after the baby is born to experience motherhood to its fullest as though there was a husband and father in the picture to provide the support necessary to enable this.  This is why I am seeking help in financing this pregnancy.  My salary alone barely makes ends meet without doctor bills, hospital bills, and baby expenses.  I am looking for grants that will lighten the load.  Thank you for taking the time to read this.
Broke Ankle on Skate Board
    I fell while skate boarding Tuesday night.  I knew my left ankle was broken by the horrific pain and the fact that my left foot is turned sideways.  My friend took me to Gwinnett Medical Center in Lawrenceville, Ga.  They saw me, gave me pain pills and refered me to an orthopedic surgeon on Wednesday afternoon.  When I went to the Wednesday appointment at 12:50pm.  They refused to help me unless I can find someone to co-sign for $3,000.00.  I don't have any insurance, my Mother cannot help me, I am living with friends and paying no rent because I just got a job working at a local resturant (cook). I went back to Gwinnett Medical Center last night and they gave me the number of another surgeon.  I called his office today and was told that they aren't taking any new patients right now.  Meanwhile, I am in a lot of pain and my ankle has been injured for almost 48 hours.  I need any information for medical and financial assistance in the Gwinnett County Area of Georgia.
Stouty
Here since: Mar 12, 2008
Female, 43
Medical Assistant
New Philadelphia, Ohio
Languages: English

I am a woman that have overcame many obsticles in life.  I am an overcomer, have determination and pray a lot. My life is shared with my husband and 3 special needs sons. I need to tidy up a bit their world and be more profitable. I also belong to a wonderful non profit organization - Operation Roger - who transport pets across america to their forever homes.

Dental Work

I am 23 years old and am having terrible pain because of my teeth.  They are so bad I haven't been able to work and I have no insurance.  Please email me at Marhel3@yahoo.com if you can help.

Really need dental help!

Hello, I ran across this website through a search engine looking for free dental help. I am a 58 year old female and look like I am in my late 30's, fun, and a great personality, except I can't be the real me because of my teeth. I haven't been able to work for a few years because I have this constant vertigo. so my fiance' supports me.Because I don't work I have no income or insurance of any kind. The teeth I have left on top(5)are good so I probably would only need a partial. I have six teeth left on the bottom and two are loosening up which would leave only four. Because I don't have many left to come out the cost would not be astronomical! When I was growing up my parents couldn't afford dental care and when I got married, the so called husband was not a good provider so I have been living with this dilema for a long time now. I'm not asking for the world and I usually like to give rather than receive, but under these circumstances I am the one who needs help desperately. Once I have my confidence back there are alot of things I would like to do to help other people. If any one is willing to help, I would be for ever in your debt(within reason) THANKS!!!!!!!!!!

My mom has cancer

Please help us. Mom, 78 yrs old, has lung cancer. She has no insurance and lives on Soc Sec only.She has medicare Pt A only. Please donate to us at my paypal acct.

ddpianoman@aol.com

Nikki4
Here since: Sep 22, 2006
Female, 25
Sevierville, Tennessee, USA
Languages: English
I am 23 years old and have been having terrible pain because of my teeth.  I have always tried to care for them, but I have had trouble with them anyway.  I haven't been able to work and have no insurance.  If you can help email me at Marhel3@yahoo.com
wolfer75
Here since: Mar 13, 2008
Male, 32
unemployed/ inspiring Heavy Equipment Operator
San Bernardino, CA
Languages: english
Comment: https://www.pparx.org/Intro....
Note: This aidpage was started as a comment on "bipolar struggling single mother without meds"

https://www.pparx.org/Intro.ph p try this if you can see your doctor it may help with the cost of your meds. Also, you can ask for samples from the doctor or pharmacy, depends on the state you live in probably. Your in my prayers.
Comment: They cannot threaten you at...
Note: This aidpage was started as a comment on "They're suing me for my unpaid medical bills!"

They cannot threaten you at all. Check the Fair Debt Collections Practice Act and then get names, numbers, addresses - all the info you can on the businesses that are calling you - if you can tape the call, even better. Take all the information to your state attorney general and file a complaint. You may even be able to file a civil suit against the collection agency but that is up to an atty to decide.

Contributed links:
Can someone please help?
My husband and I are both disabled, He has CP, and I have major health problems, My husband does work, he works hard everyday,  But the only thing is, with his CP, he can't get a real good paying job, he is working for just a little over min wage, and he has no insurance. I can't work, I am trying to get on my disability, and that is taking forever. My husband needs medical help bad, and he can't get anything done. he has tried, they say since he is working, they will not help him, he needs dental work done, I see him in so much pain with his teeth, and I can't stand to see him in that much pain, and we are just barely making our bills, he can't afford to go to the dentist. Can someon plese find it in your heart to help  him? It is to the point now that even the over the counter pain meds are not working. I would really apprectiate your help on this matter! I am so worried about him. Thank you in advance for your kidness.
Please Make A Pleage

I'm a 48 year old mother of 4, and I had a hard time finding good and affordable dental and medical insurance,   I am working part time, and have no money or insurance, I bought  up some from an outside insurance company,  and my money ran out, Ican't pay my bills and buy insurance at the same time now I'm in such pain, and my face is swollen and my gums is very infected ,   I don't know where to turn,     I can't take much more of the pain!!, so I'm asking for you to make a  pleage so I can get dental help, what ever you pleage I will return it in a prayer for you and your family.

 

thank you,

lynn3

Medical Bills

I'm 28 years od, and had just started a new job when I became very ill. I have Type I diabetes so any illness is a struggle. I ended up having pylonephritis (a severe kidney infection when enlarged my kidney) and was also septic (the bacteria was in my blood). I spent 17 days in the hospital and another 3 1/2 weeks going back to an outpatient center for IV antibiotic therapy. I was unable to work for 2 months, and unable to return to full time for a month after that.

I've accumulated quite a large amount of debt due to hospital and doctor bills. Originally the total was almost $90,000. The hospital discounted my bill due to my low income, but I still owe almost $37,000. I'm grateful to be alive so paying that sum is nothing to considering I almost died. Howeveer, my finances just won't allow me to pay too much each month. I basically live paycheck to paycheck. I've applied for state assistance but I'm too old, not disabled according to their guidelines and I don't have any dependants.

So I'm looking for anything that could help. I'm not asking someone else to pay my debt, I'm just asking for some help because the hospital is not even giving me a chance to make payments. They said if I cannot afford a monthly payment of $350 then my aacounts would go to collections.

Medical Bills

My husband is disabled and we have no insurance.  He has an inoperable spine disease, diabetes, etc.  We are having trouble paying our monthly bills and buying his medications.  Please let me know if there are any options available to us.  We also have three dependent children to support.

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





Embarassment. Constant Agony. Acci-DENTAL death???

My name is Joe.  I'm 25 and I'm from Illinois.  I'm a regular guy, with a regular job.  As most of you know, most jobs offer little dental coverage, if any.  My $8/hr job, as much as I love it (wink), does not provide any at all. 

PAYDAY: can I afford overpriced dental work?  Let's see.  After taxes, medical insurance (which I never "get" to use, ironically), rent, bills, fuel, and car insurance; I am left with enough grocery money to properly feed myself for about three days a week.  Thankfully, through food banks and "fish fry mondays" at work,  I'm still kickin'.  Hunger isn't my problem... but I sometimes go days without eating for fear of the constant pain I'm in for hours following any meal. 

I am missing most of my teeth in the back and the only contact points that I can chew with are a couple of broken, abcessed teeth that cause me to wince in terrible discomfort when exposed to simple, room-temp water... an unbearable feeling that is intensified tenfold when I use them to chew even the softest of foods.  Because of this, my peak weight of 210 pounds now hovers around 170... not healthy for a man who is 6'4".  I tried a non-solid diet of soups, V-8 (yuck), nutrition drinks, soggy cereal, etc.  That lasted about three weeks and I'll just say that my body didn't dig it.  I had a lack of fiber in my diet that, if continued, would've caused digestive tract problems.  Are we having fun yet?

As you may know, abcessed teeth that aren't treated promptly can lead to fatal, yes FATAL infections in the neck, face, and brain.  I can imagine the coroners report might read:

AGE:  25          GENDER:  MALE        CAUSE OF DEATH:  "LACK OF DENTAL INSURANCE"

My county has an emergency dental assistance program, but funding has run out until next year.  Unfortunately, the amount offered by said program wouldn't be sufficient for my needs anyway.  DEAD END.  Free dental clinics won't touch an abcessed tooth. DEAD END.

While I am facing the most danger with the two abcessed teeth, I have other teeth that are en route to the same agonizing destination and the ultimate need I have for myself is extraction of all affected teeth, as none of them can be saved, and getting replacement teeth that would allow me to eat fruits, veggies, and meat again.  Or ice cream.....ooooooh...I havent tasted ice cream in at least 4 years.  Things that people take for granted, haunt my dreams.

My smile is less-than-perfect and I'm positive that I could get a better job if my smile was a little more inviting.  There is not one existing picture of me where you can see my teeth.  Always that same awkward, "I dont like this at all"  half-grin : .  My grandma hates that.  She says, "You're so handsome, why won't you smile the right way?"

The right way?  What is that?  I have never known.

BROKE COLLEGE STUDENT -- NO INSURANCE -- NO MONEY -- $13,000 ER BILL -- WHAT DO I DO?

I need help! I am 19. I went to the Emergency Room and I don't have insurance. I regret going now because of the bill. I am so scared.. I DON'T have insurance, I don't have money, I'm a college student, and I really don't know what to do. Please help.......... the bill is around $13,000, and I'm not even sure if there are any other medical expenses adding to this.

I cannot pay for this and I don't know what to do.... please help.....

I have contacted the Medical Services and they tell me that I could be able to get a uninsured discount and that I need to talk to the Hospital.. I called the Hospital and they are sending me a financial aid form to fill out and send back... is that all that I can do? I want to see if there are other aid out there for me............ I really just don't know what to do.

My mouth is deformed and i can't wear my false teeth

     I have very low self esteme  I won't get out of my house I stay very depressed my children and my husband our very embarrsed by my looks I don't have no chin  I really need help I want to get out of the house and be a very normal person  I have had two sets of teeth by a very good dentist  but they won't just fit.  I always wanted a pretty smile can someone help me I am very desperate.  I don't have no insurance. please help me       joy smith

Zwalkin
Here since: Apr 30, 2008
Male, 24
Educating Youth about Outdoors (Naturalist)
Scottsburg, IN
Languages: English

I am 23 and got in an accident; Both my lungs collapsed I had four broken ribs and it took them four hours to get me to a hospital. I had just been hired for my first  full time job and the insurance was 9 days of kicking in. Now I am starting my life out with over $27,000 debt. Thanks to God that I am alive and well. Without him I would not be here. I may have to file bankruptcy and I am looking for any way to get out of this. I do not make enough money to put a dint in the sum. The hospitals want their money now and I am getting constant calls from debt collectors. If you can help please contact me. zrwalker@dnr.in.gov

Update from Kayster

I would just like to find out if anyone has any new and updated information on my request for dental help. My earlier post stated I needed desperate dental work. I am a cancer survivor and after treatment I developed fibromyalgia which leaves you in pain about 98% of the time. Taking pain med and chemotheaphy damaged my teeth from the inside as well as the outside. The result, they are breaking off and I have developed infections one after the other. I do fear for my heart as repeated infections can cause damage. I also suffer from bipolar disorder which doesn't help any of the other problems, just makes me worry more about what to do and fear that I may have a manic attack and do something stupid. On the other hand I do find myself slipping into a deep depression and fear another trip to the hospital, which is impossible as again no health insurance. I do not like being this way and in the past have worked so hard at trying to maintain a productive lifestyle. All I need is the path to lead me in the direction of finding help to get the issue taken care of.

Thank anyone who has input!

Major Medical Crisis

Hello,

I am a 28 year-old female, recently employed after almost two months with no income. 

I will not be receiving my first check for over a month, and am now facing a major medical crisis, having just been diagnosed with mid-stage heart failure due to Marfan's Syndrome.  I currently have no insurance and anticipate a struggle having any insurance carrier cover the pre-existing condition.

I am in need of short-term assistance while I attempt to get back on my feet.  I can not guarantee when I wouldbe able to repay any aid I receive, but do promise successful repayment.  In all honesty, all I'm looking for is someone to give me a chance, and believe that I can beat this.

Thank you.

My mouth is deformed and i can't wear my false teeth

     I have very low self esteme  I won't get out of my house I stay very depressed my children and my husband our very embarrsed by my looks I don't have no chin  I really need help I want to get out of the house and be a very normal person  I have had to sets of teeth by a very dentist  but they won't just fit.  I always wanted a pretty smile  can sone help me I am very desperate.              I don't have no insurance. please help me            joy smith

Aidpage group discussing "Special Needs"...

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Aidpage group discussing "unable to work"...

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I have 8+ cavities and no dental insurance with low income

Hi, I'm a semi recent college graduate with very low income, I am a dog walker for a living :) I am struggling with deferring huge loan payments, and I have a huge amount of credit card debt

I cannot afford to get my cavities filled, and my whole mouth is rotting and only getting worse.  It's been years since I could go to the dentist. I'm wondering if there are any dentists with a good reuptation out there willing to do the necessary procedures at a very low cost or for free.  I'm also curious if anyone knows about dental offices with financial assistance available, or that are privately funded.  Any financial contribution towards getting cavities filled would also work, I just need help soon!  The pain is getting bad, not to mention I'm losing friends over the...bad breath side effects of so many cavities. 

Thank you for any support you can offer me!  Even advice! :) 

Aidpage group discussing "losing home"...

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