Saturday, November 13, 2010

How do I apply for free health insurance when I have a terminal illness but am still able to work?

I have a terminal illness but I am still able to work, however, I am on COBRA because my last job wrongly fired me. I am not poor but I simply cannot keep paying for COBRA. I cannot go for Medicaid because my good doctor does not accept Medicaid and I do not want to owe lots of money and have to worry about paying it off. I heard there is a program with either Social Security or Medicare where all you need to do is fill out a few forms and get a letter from your doctor stating that you have a terminal illness. Then you will receive health insurance for little or no cost and your doctor has to accept the insurance. Does anyone have any info on this? I am not disabled to the point where I cannot work, but my bills are a lot of money even with the COBRA coverage.
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Here is information about Social Security Disability Insurance: http://www.ssa.gov/disability/ and http://www.ssa.gov/dibplan/index.htm and Since you are still able to work, I do not think you'll be able to qualify. If your doctor is unable to accept Medicaid, then you may want to find a new doctor if you can qualify for Medicaid. You want COBRA, rather than your own individual policy, because it still is a "group" policy which cannot be terminated (except for non-payment of benefits) whereas an individual policy can be terminated at any time. Medicare - you have to be a certain age - and it still isn't free. Information about Medicare can be found here: http://www.medicare.gov/ and http://www.medicare.gov/MedicareEligibil… Are you currently working at another job? See if you can get put on a group health insurance policy.
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