I write books and create programs for people to give them motivation and skills that will help them do better with careers living with chronic illness. But I have to tell you. -There are times I get really down about how hard it is just to get by when you live with active chronic illness.
A study was recently published by Harvard Medical School researchers saying that
- Many U.S. adults with chronic illness are uninsured.
- Chronically ill uninsured patients are 4 times as likely to have trouble get medical care
I’m not surprised. Are you?
Just the other day, a client emailed me saying that the monthly medication she takes for multiple sclerosis, at the monthly price of $1704.16, has been deemed a tier two drug, a “maintenance medication”, by her insurer. That means that this drug which she’s been taking since 1997, has successfully stabilized her disease and allows her to continue to walk – is going to cost her $852. 08 month! In comparison, she is paying $950/month for her apartment.
I couldn’t believe this so I called and spoke to a representative at her insurance company who told me that if she paid more for monthly premiums, she would have better reimbursement.
Honestly, I’m not blaming the insurance company. That does make sense – from there perspective. They’re just trying to eke out a living here, too. But something is very wrong with out system.
I’ve got clients who can’t afford to quit jobs they hate because they need the health benefits and then they find the benefits aren’t sufficient to pay for what they need. And others who aren’t employed because they can’t find work they can physically do given their disabilities — but use what little funds they have to pay for insurance that doesn’t cover what they need.
Has this happened to you? Have you figured out someway to pay for medication (other than to ask the pharmaceutical to do so which some do – but is no longer allowed in MA) when you don’t have sufficient (or any) insurance?
FREE CAREER COACHING GRANT AVAILABLE
DO YOU LIVE IN NEW ENGLAND, HAVE MULTIPLE SCLEROSIS AND NEED CAREER COACHING? There is currently an opening in my practice for you to receive 6 months working with me for free through the Kelly Packowski Foundation Grants.
If you’re interested, contact me (Rosalind@cicoach.com) to find out more – put Kelly Packowski Grant in the subject line.
Rosalind aka cicoach.com