Co-pay restraints

One of the biggest issues persons with chronic illnesses suffer from is not having enough monies to live on, yet alone to cover all of our medical expenses. Many of us have to rely on our SSI to cover our food, shelter, clothes, utilities, medicines, labwork, copays and travel expenses. What we receive is never enough to handle a third of these things. This is why you will find that many of us going without each month and or becoming homeless. That could mean not taking our needed medicines, eating healthy foods or eating at all. Not living with needed heat/air, fresh clean water and sometimes the necessary medical treatment that we need to survive. Many of us avoid going to the ER during emergencies or better yet utilizing ambulatory services because we just cannot afford them. This is sad but very true.

I am disabled and had to leave a job I absolutely loved 21 yrs ago. Going from a very nice two paycheck family to one is very difficult. Watching my amazing husband work two to three jobs at a time to make our ends meet is killing me more than my Chronic illnesses. The little monies I receive each month doesn’t even put a dent in my expenses. We have a strict budget that we adhere to but it changes all the time with each flare up I have. Just when we think we have a handle on it, something changes. This time it was an all of a sudden copay for a specialist that I have been going to for over 5 years. Usually with two insurances, one would offset the other, but not this time.

This has been a continuous factor with me will all of my specialist’s for as long as I can remember. Especially since I was finally added to my husband’s insurance. I experienced an emergency last week and was told to come into the doctors office on Friday and then again for a follow up appointment today. What we didn’t expect was to be hit with a copay issue. My husband and I looked at each other like two deer stuck in headlights. Both of us trying to decide who had the money and also which bill would not get paid this month. I looked at my husband when he put his debit card in the receptionist hand and felt even more of a burden to my family. We really don’t have anything to spare, but then she hit us with a double charge for both Friday and today. That hurt bad. Both of us will suffer from overdraft fees this month, meaning we will be paying a lot more than what was paid today. Sucks for us big time. So what do you think my next step will be? Me too. 😣☹

Anyway, thanks for letting me vent. Peace and blessings to you always and forevermore. 💜❄💜❄💜

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