I have MS and have not been able to find real health insurance. My state health pool will cover me but at $1300/mo. I've heard from a lot of discount plans and indemnity providers but am afraid of these. Any one out there have any ideas? Thanks!
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You don't say how functional you are. If you can work, find any job you can that has benefits. Even if you work at it only long enough to qualify for COBRA, the COBRA lasts 18 months and would probably cost $400-$600/month, which is a lot less than $1300. If you're too disabled to work, you have to realize that no insurance company will insure for less than they anticipate spending for you. But at that point, I'd expect you would have applied for Social Security Disability and perhaps Medicare. I also assume you have a certain amount of money, because if you don't, you'd qualify for Medicaid, which is at no cost to you. Contact your state Welfare office if you'd like to find out more about this. Re the discount plans, consider just researching them. Check with the state insurance board to see that they're legitimate. Do online searches to see if anyone has posted anything good or bad about them. You might also ask at your local MS chapter (find it here: http://www.nationalmssociety.org/find-a-… ), since surely others with MS encounter this same problem.The website also has an online forum. Best of luck with this!
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