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Disablity: Health Care

J

jfarel

New member
For those of you on disablity, can you explain how it works.

A few specific questions I have are: Can you choose you're hospital? Will they pay for all the meds and hospitalizations you need? What about a transplant?

Basically this is all new to me. If I have to stop working in the next few months or year I want to know what to do if I no longer have health insurance.

I pray I start feeling better but if not I need to start planning ahead.
 
J

jfarel

New member
For those of you on disablity, can you explain how it works.

A few specific questions I have are: Can you choose you're hospital? Will they pay for all the meds and hospitalizations you need? What about a transplant?

Basically this is all new to me. If I have to stop working in the next few months or year I want to know what to do if I no longer have health insurance.

I pray I start feeling better but if not I need to start planning ahead.
 
J

jfarel

New member
For those of you on disablity, can you explain how it works.

A few specific questions I have are: Can you choose you're hospital? Will they pay for all the meds and hospitalizations you need? What about a transplant?

Basically this is all new to me. If I have to stop working in the next few months or year I want to know what to do if I no longer have health insurance.

I pray I start feeling better but if not I need to start planning ahead.
 
J

jfarel

New member
For those of you on disablity, can you explain how it works.

A few specific questions I have are: Can you choose you're hospital? Will they pay for all the meds and hospitalizations you need? What about a transplant?

Basically this is all new to me. If I have to stop working in the next few months or year I want to know what to do if I no longer have health insurance.

I pray I start feeling better but if not I need to start planning ahead.
 
J

jfarel

New member
For those of you on disablity, can you explain how it works.

A few specific questions I have are: Can you choose you're hospital? Will they pay for all the meds and hospitalizations you need? What about a transplant?

Basically this is all new to me. If I have to stop working in the next few months or year I want to know what to do if I no longer have health insurance.

I pray I start feeling better but if not I need to start planning ahead.
 
S

Skye

New member
jfarel,

You are very smart to plan ahead! Sorry I can not help you with disability questions. I can only guess that you remain employed and continue to carry employer's insurance?? Some other thoughts, if you can not work, you will probably be eligible for COBRA for at least 18 months if not 36. Some states have high risk pools that you may be able to go on while you get through your "rough spot". Just FYI, transplants in the US have a lot of extraneous expenses that some people may not think about. For example, most insurance covers a limited amount of travel expense. You may have to be life flighted 2 or 3 times before an actual surgery takes place depending on where your closest center is. In other words, you need to start putting some "emergency fund" type money away. This is exactly why we need to go to a one-payer type system in this country so someone like you can worry about getting yourself well and not how you are going to continue to work to keep insurance. I understand fear of government intervention, but, something needs to change.
 
S

Skye

New member
jfarel,

You are very smart to plan ahead! Sorry I can not help you with disability questions. I can only guess that you remain employed and continue to carry employer's insurance?? Some other thoughts, if you can not work, you will probably be eligible for COBRA for at least 18 months if not 36. Some states have high risk pools that you may be able to go on while you get through your "rough spot". Just FYI, transplants in the US have a lot of extraneous expenses that some people may not think about. For example, most insurance covers a limited amount of travel expense. You may have to be life flighted 2 or 3 times before an actual surgery takes place depending on where your closest center is. In other words, you need to start putting some "emergency fund" type money away. This is exactly why we need to go to a one-payer type system in this country so someone like you can worry about getting yourself well and not how you are going to continue to work to keep insurance. I understand fear of government intervention, but, something needs to change.
 
S

Skye

New member
jfarel,

You are very smart to plan ahead! Sorry I can not help you with disability questions. I can only guess that you remain employed and continue to carry employer's insurance?? Some other thoughts, if you can not work, you will probably be eligible for COBRA for at least 18 months if not 36. Some states have high risk pools that you may be able to go on while you get through your "rough spot". Just FYI, transplants in the US have a lot of extraneous expenses that some people may not think about. For example, most insurance covers a limited amount of travel expense. You may have to be life flighted 2 or 3 times before an actual surgery takes place depending on where your closest center is. In other words, you need to start putting some "emergency fund" type money away. This is exactly why we need to go to a one-payer type system in this country so someone like you can worry about getting yourself well and not how you are going to continue to work to keep insurance. I understand fear of government intervention, but, something needs to change.
 
S

Skye

New member
jfarel,

You are very smart to plan ahead! Sorry I can not help you with disability questions. I can only guess that you remain employed and continue to carry employer's insurance?? Some other thoughts, if you can not work, you will probably be eligible for COBRA for at least 18 months if not 36. Some states have high risk pools that you may be able to go on while you get through your "rough spot". Just FYI, transplants in the US have a lot of extraneous expenses that some people may not think about. For example, most insurance covers a limited amount of travel expense. You may have to be life flighted 2 or 3 times before an actual surgery takes place depending on where your closest center is. In other words, you need to start putting some "emergency fund" type money away. This is exactly why we need to go to a one-payer type system in this country so someone like you can worry about getting yourself well and not how you are going to continue to work to keep insurance. I understand fear of government intervention, but, something needs to change.
 
S

Skye

New member
jfarel,

You are very smart to plan ahead! Sorry I can not help you with disability questions. I can only guess that you remain employed and continue to carry employer's insurance?? Some other thoughts, if you can not work, you will probably be eligible for COBRA for at least 18 months if not 36. Some states have high risk pools that you may be able to go on while you get through your "rough spot". Just FYI, transplants in the US have a lot of extraneous expenses that some people may not think about. For example, most insurance covers a limited amount of travel expense. You may have to be life flighted 2 or 3 times before an actual surgery takes place depending on where your closest center is. In other words, you need to start putting some "emergency fund" type money away. This is exactly why we need to go to a one-payer type system in this country so someone like you can worry about getting yourself well and not how you are going to continue to work to keep insurance. I understand fear of government intervention, but, something needs to change.
 
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