I am NOT a political person. I do not debate government
issues or worry my already foggy brain with details that only
serve to further confuse me. I just want to live peacefully in
my own little world where disease, terrorism, and crime do
not exist. Stick a lollipop in my hand and read me a bedtime
Well, that's not possible and I have had to come to terms
with this reality. People get sick. Bad men hurt innocent
victims and politicians rob us blind. It is what it is.
Until my retirement in June, I enjoyed what I felt was a
wonderful insurance plan. In West Virginia, public employees
are covered by PEIA. www.peia.wv.gov My coverage was
directly taken from my monthly paycheck and I had very few
problems with plan payment and medical bills. That was not
the issue upon retirement. All of the sudden my co-pays and
plan coverage nearly doubled. I could no longer afford
PEIA. My plan is a family plan and PEIA only covers
medical. Dental and vision are optional.
No way! We are a family of certified eye glass wearers. My
teenage son is still growing and his teeth are important to
So, the first few months of my supposed "golden years of
retirement" were spent looking for a different health
insurance coverage. I already had two strikes against me:
an incurable disease and a family to protect.
Fortunately, I found a plan designed to adequately cover
health, vision and dental. All for much less than PEIA offered
for just health. To good to be true? For now, we are okay; but
the future is questionable.
Insurance companies are famous for dictating what
medication a person can and cannot take. Neurologists
attempt to make careful medication recommendations for us.
These recommendations involve extremely volatile and
expensive choices. MS medications are not over-the-
counter painkillers and, yet, we are expected to "suck it up"
and pay outrageous fees as human guinea pigs in the name
of drug research.
I don't know about you, but I do not participate in MS drug
therapy wearing a blindfold. I try to make educated
decisions based on research and careful thought as to the
possible side-effects of said drug. It is NOT the decision of
an insurance company or government official as to what
drug is allowed to enter my system. The ramifications of so
many meds on the market are seriously frightening.
This is NOT a game.
I get to decide about taking a drug that could possibly help
me or possibly put me at risk of PML.
http://medical-dictionary.thefreedictionary.com/progressive+multifocal+leukoencephalopathyProgressive Multifocal Leukoencephalopathy
If you think working with insurance companies is fun...try to
work with disability. That is another beast all its own and
fortunately one that I have not had the displeasure of
befriending. My sincere sympathy goes out to those who are
fighting with that portion of this disease. We should not have
to put our life at risk in order to survive.
MS is an expensive disease to treat. Direct and indirect health care costs range from $8,528 to $54,244 per patient per year in the United States. MS ranks second only to congestive heart failure in terms of costliness compared with other chronic conditions. http://www.healthline.com/health/multiple-sclerosis/facts-statistics-infographic#sthash.wJFSTbfr.dpuf
MS is a battle and we are Warriors. Warriors survive,
I think I mentioned recently that March has brought to me
so many gifts during MS Awareness
Month. I have had the opportunity to share, through local
media,my story with my award winning book I Have MS.
What's Your Super Power? I have met several fellow
warriors I would not have known otherwise. My personal
fundraising goal is nearly met and it's not over yet!
And I have read...more than ever.
If you do nothing else today, check out MyCouterpane.com.
Kate Milliken is my new hero. She has created a wonderful
planet on which to vent and share MS stories. The inspiration
found here will make you forget your insurance woes for a
while and possibly lead you to some much needed answers.