Posted by yxibow on September 4, 2008, at 1:08:23
In reply to Need doctors help and can't afford: Ideas?, posted by dapper on September 3, 2008, at 23:36:07
> I have been trying different meds for awhile now without a docs supervision. Effexor stopped working for me, so I ordered stablon. That didn't hack it, so I just switched to Ixel. I can't deny it anymore, I feel like crap and need a physicians assistance. My debt is too high and I have no money. What can I do? Should I apply for insurance and not disclose my medical past? Last time I did that with blue cross, I got flat out denied. This is becoming too much for me to go alone, I feel like my brain is cracking under too much weight.
I understand the situation because I applied to [unmentionable company] and bothered to disclose that I had depression, and was instantly denied. Thankfully for HIPAA (had exhausted COBRA) [unmentionable company] was required to offer insurance and chose one of their typically expensive PPOs.However using [unnamed] for psychiatric conditions is basically shall we say piss poor and is not a good idea -- they can cancel you under some squeaky crack and they farm it out anyhow and the max is pitifully below your "medical max" which is up in the $mil.
You can try applying and lying to another insurance company, however they share information and will find and cancel you potentially and you live in a scared situation.
I would not continue though, to self-medicate, if all possible because a psychiatrist knows the eventual affect of medications, especially those in your own country.There are low cost clinics in some cities, I would seek them out.
Try first to see if there is a chapter of NAMI in your city for information, that is one source.
Unfortunately I know that some cities are better at managing the cracks of mental illness poverty than others (thats not semantically correct, but you get the idea).
The other option is a waiting list on your [state] pool of insurance -- again, I dont know how much mental health they cover.
It is a sad state in the US that mental health parity is not actually true -- and biochemical imbalances cost business time lost just as much as if someone had a serious "medical" illness.
-- I wish you well-- tidings
Jay
poster:yxibow
thread:850208
URL: http://www.dr-bob.org/babble/20080903/msgs/850219.html