Mothering › Forums › Natural Family Living › The Mindful Home › Frugality & Finances › I can't do this anymore.
New Posts  All Forums:Forum Nav:

I can't do this anymore.  

post #1 of 18
Thread Starter 
I just got a phone call from my dr's office telling me that my insurance was terminated on Nov. 30th. I JUST spent an entire morning at the Medicaid office on Friday straightening out my case. They turned off my Medicaid on Nov 3rd because I never sent in the recert forms they sent to my old address. Then I hand delivered them on the 17th and somehow they got lost between the "document dropoff" part of DSS and the Medicaid part at the other end of the building- so I went in again last week. I had a little cushion because my HMO managed care plan was good through the end of November.

Um, hello, is anybody going to turn it back on now that Medicaid is straightened out?

My ex is paying me child support "in installments" this month because he can't pay me in full right now. This is after nearly 6m of not getting paid at all, so I should be getting DOUBLE child support right now until he catches up. Of course, he's got other bills and his new job isn't the best paying job in the world, but WTF am I supposed to do?

I got a letter from the bank telling me that a tuition check bounced on the 28th- at first I was incredibly angry that they put in Dec's check early- until I realized that it was Nov's check that was supposed to go in around the 7th or the 8th. When I checked my account around the 25th or so, I assumed that particular bill had already been paid and whatever was in there was available for other bills. Before anybody suggests I pull my kids out of private school, let me explain that I get financial aid and it would actually cost more to put them in public school and pay for Hebrew School one day a week. Homeschooling is NOT an option with my health issues.

So there goes $30 in bank fees that I couldn't afford to spend. It's a good think X gave me $20 in cash yesterday so I was able to buy some food.

It's hard enough living on $690 a month, plus food stamps. It becomes nearly impossible when that money doesn't always show up on time. I also have credit card debt from those 6m of no child support-I cannot make ends meet on child support alone when I also have to pay that off.

I'm spending $0 on gifts, $0 on entertainment, $0 on new clothes for the kids. My mom's been buying clothes and shoes for the kids, which really hurts my pride. I had to spend SOME money on myself with the Bat Mitzvah coming up- and I still need to get either pantyhose or stockings because the suit I found at the thrift store is too short to wear with knee highs.

I have health care costs that Medicaid doesn't cover, even when it's all set up right. Medicaid won't cover the chiropractor or supplements, and I really can't function well without either one.

I'm just so fed up and frustrated with this whole situation right now. I just want to be able to pay my bills.
post #2 of 18


Its sounds to me like your ex better start taking care of his financial responsibility!
post #3 of 18
Ruthla, I wanted to send you this .

But also (and I hope it comes out right) - I can't believe you stretch $690 as far as you do. You are one tough lady .
post #4 of 18
post #5 of 18
Ruth, I'm so sorry for your troubles. We live on very little too and it's so tough sometimes.
post #6 of 18
Ruthla
post #7 of 18
I agree, stretching $690 as far as you do is amazing. s Hopefully things turn around for you and soon!
post #8 of 18
You're doing amazingly well on that budget!!
post #9 of 18
ruthla, you should be able to get "emergency" medicaid coverage for 45 days in nys while they sort out their bureaucratic issues. also, once your medicaid gets turned back on (it now is?) it should retroactively cover stuff during the gap as long as you had a good reason for the coverage gap. mail to the wrong address counts as a good reason. a legal services lawyer should be able to help you with this. i used to know this stuff cold, but it has been a long time, and any more specific advice would not be good anymore. but basically what i would do is badger the agency worker by phone constantly until they admitted the mistake and fixed it; i would call up the chain of command because of course nobody ever picks up their phone; and if they weren't responsive i would request a fair hearing (for which most recipients don't have a lawyer, and which most recipients win).
post #10 of 18
Thread Starter 
Quote:
Originally Posted by PiePie View Post
ruthla, you should be able to get "emergency" medicaid coverage for 45 days in nys while they sort out their bureaucratic issues. also, once your medicaid gets turned back on (it now is?) it should retroactively cover stuff during the gap as long as you had a good reason for the coverage gap. mail to the wrong address counts as a good reason. a legal services lawyer should be able to help you with this. i used to know this stuff cold, but it has been a long time, and any more specific advice would not be good anymore. but basically what i would do is badger the agency worker by phone constantly until they admitted the mistake and fixed it; i would call up the chain of command because of course nobody ever picks up their phone; and if they weren't responsive i would request a fair hearing (for which most recipients don't have a lawyer, and which most recipients win).
Yeah, Medicaid is supposed to be turned back on now, and I submitted the receipt from the medicine my Mom paid for while I was without coverage- they sent it to the main office in Albany and it will take up to 3m to get reimbursed.

The problem now is with the HMO- on Long Island, you have to join a Managed Care Plan, which basically means Medicaid pays your HMO premiums, there are no co-pays (or very small co-pays of like $1 for certain specialized tests) and Medicaid directly covers things not covered by the HMO, such as prescriptions. When my Medicaid was turned off on Nov 3rd, the HMO coverage continued until the 30th. Since I got things fixed on Dec 1st (and not on Nov 17th when I first dropped off the paperwork) the HMO got turned off, and I hope I can get it turned back on before Jan 1st.

I already requested the Fair Hearing, and once I'm positive the Medicaid people did what they said they did on Friday I'll cancel the Hearing.
post #11 of 18
Everyone in this country should automatically get health insurance. And if not that, then at least a mother and her children.
post #12 of 18
Quote:
Originally Posted by bscores View Post
Everyone in this country should automatically get health insurance. And if not that, then at least a mother and her children.
I agree! The US is the only "devoloped" country that doesn't provide health coverage to its citizens.

Ruthla, I'm so sorry that you're going through this. It sucks and makes me angry for you.
post #13 of 18
(((( HUGS ))))

i'm so sorry that you're going through all this. your situation is so similar to mine it's scary.




i wish i had some piece of advice, but right now i have about $30 combined checking + savings, and nothing coming in; i can't apply for aid yet because my disability payment status is in the process of re-evaluation (since i was just ruled permanently disabled), both temp jobs i was looking forward to working this month fell through, and my ex isn't paying child support... and on and on... so all i can say is, i'm sorry, and i know it sucks. but at least you're not alone. if you need someone to vent / rant / emotionally spew to, PM me anytime.

post #14 of 18
Quote:
Originally Posted by Ruthla View Post
Yeah, Medicaid is supposed to be turned back on now, and I submitted the receipt from the medicine my Mom paid for while I was without coverage- they sent it to the main office in Albany and it will take up to 3m to get reimbursed.

The problem now is with the HMO- on Long Island, you have to join a Managed Care Plan, which basically means Medicaid pays your HMO premiums, there are no co-pays (or very small co-pays of like $1 for certain specialized tests) and Medicaid directly covers things not covered by the HMO, such as prescriptions. When my Medicaid was turned off on Nov 3rd, the HMO coverage continued until the 30th. Since I got things fixed on Dec 1st (and not on Nov 17th when I first dropped off the paperwork) the HMO got turned off, and I hope I can get it turned back on before Jan 1st.

I already requested the Fair Hearing, and once I'm positive the Medicaid people did what they said they did on Friday I'll cancel the Hearing.

good luck w/ the hearing.

weird about the HMO, i thought medicaid worked the same way everywhere in the US. :
post #15 of 18
Thread Starter 
Ok, update.

Yesterday I called both the HMO and Medicaid- the HMO told me to contact Medicaid, and my Medicaid worker told me "You're in the computer, I can't imagine why the HMO doesn't have the information and there's nothing else I can do be cause from my end of things it looks like it's all taken care of." I figured I'd call the HMO again the next day (that being today) in case the computers only updated overnight.

I called the HMO again this morning and it says I've been a member since October of 2004. I guess there was just a little lag time between Medicaid and the HMO and it's all fixed now. I won't need to cancell any appts.
post #16 of 18
(?)


good luck w/ everything. s
post #17 of 18
post #18 of 18
I'm glad it worked out!
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Frugality & Finances
This thread is locked  
Mothering › Forums › Natural Family Living › The Mindful Home › Frugality & Finances › I can't do this anymore.