Insurance Threatening To Revoke My Coverage

[theshadowoftheliving]

I'm panicking. Insurance is threatening to revoke my coverage based on a technicality ... And im afraid they are retroactively going to do this. I know there are outstanding things that haven't been billed to the insurance and I can't pay for them if they get billed to me directly. I'm panicked. Can they do this? What do I do? I'm so, so broke, I can't afford food right now, never mind medical bills. I'm starting new jobs but not until September and my first pay checks won't arrive till a month from now ...

 

[MrsBeasley86]

Is there any type of mental health coverage you can get? At one point I didn't have insurance and no way to get it. But I was able to get on a government based insurance that was just for mental health.

 

[theshadowoftheliving]

This IS governmental insurance for poor people. If they take it away, I can't afford to buy out of pocket insurance ... Even bough this insurance sucks, and I've been battling them to cover mental health services and everything else.

To top it off, I'm feeling super unwell today.

 

[MrsBeasley86]

Oh no :( I hate how insurances work! It's so expensive to buy it out of pocket!

 

[theshadowoftheliving]

Yeah, I'm just so frustrated and paralyzed by feeling like there isn't a solution. I'm mandated to have insurance, so keeping Medicaid should t be that hard. I'm just frustrated by the system, and by how impossible it is to access benefits even if you DO have the insurance. I just want to be healthy. I just want to be well. I just want to see a therapist again. I just can't afford anything out of pocket, and I don't know what I'm going to do if I lose the minimal coverage I thought I had.

 

[void]

Have you spoken with the Medicaid worker?

 

[theshadowoftheliving]

@void Yeah, that's the problem. I can't prove state residency for his whole year (homeless, kinda, was living with my ex, but now he's disappeared and I can't ask him for a notarized letter to prove that, then crashing with friends for months while I tried to find a place of my own). Somehow, this represents a loophole to them. I don't know what to do with it and how to fight it and I'm just so, so exhausted that I'd rather die than deal with another telephone call with them.

 

[Truthful_Whispers]

Having to purchase auto insurance before you can get license plates for your car is unconstitutional, because you are being forced to buy a private product.

 

[theshadowoftheliving]

@Whispering_Truth While that is the case in my state, the panic here isn't over auto, it's over health insurance. More important to me. More necessary. And so impossible at times.

I'm an adult, I swear, but I feel like a teenager who is incapable of taking care of herself and it is so, so frustrating.

 

[Friday]

I hate that loophole, as well... There's a certain point of desperation where if you're actually there? It's practically impossible to get help. Grrr.

Workaround for state residency is a homeless shelter, or someplace you visit regularly... Your therapist, for example, can do a notary letter saying he/she has been seeing you weekly for the past however long.

 

[Friday]

@Whispering_Truth Driving isn't a right / it's a privilege... Meaning my state is another that won't let you license your vehicle without auto-insurance. Same thing with homeowners insurance, & a whole bunch of insurance things if you start a business. You're not forced to buy a car or home or start a business, etc. All of those things need licenses, and a requirement to get those licenses is XYZ insurance at ABC levels.

 

[theshadowoftheliving]

@FridayJones No homeless shelter on my record (always stayed with friends) and no place I visit regularly except work (which doesn't count because I could be commuting from a different state). No therapist (which is part of the panic, because I know I need one). This is why poor people stay poor - once down, it's just so hard to overcome these hurdles to be okay, never mind comfortable.

Sorry to rant. It's been a long few days and I'm overwhelmed and ashamed at how broke and pathetic I am for how educated and successful on paper I am. Plus, I know that the very things I need help for (PTSD and depression) are what are causing me to feel complete overwhelmed and immobilized by my situation. I'll think more on who might be able to write me a letter.

And a caveat - I totally understand that I have so much going for me, things could always be worse, etc. I'm just frustrated because I've been working so hard and not seeing any results at all for my actions over the last six months. I'm frustrated because my life is in more pieces now than a year ago, despite my best efforts otherwise.