Fara Insurance - What disability programs/insurance can I get in on?

What disability programs/insurance can I get in on?

I'm 20 and I have crohn's disease. I was also diagnosed with it a long time ago. Which is listed as a disabling disease. In the upcoming years, i'll be falling off my parent's insurance. Yet I wont be out of college, or be making enough to cover my medicines. Which without insurance would cost me about 1,000 a month for my three perscriptions. I was wondering what kind of disability benefits or programs I could get. I was diagnosed with crohn's while i was a child. I know i can't get social security because, they wont give partial disability. I really don't want to go under as fully disabled otherwise going to college is kinda pointless. I just want to get a little help paying for my medicine,specialist visits as well as those delightful procedures i'm forced to endure annually. Anyone have any ideas?

Public Comments

Check with vocational rehabilitation in your local area, not only can they help with school but other things as well.
Call Social Services in your county and ask them if there are programs to assist you with your prescriptions. I also have a link below that might be helpful. Your next bet would be working full time at a large company with health insurance, and going to school part time. The reality is many people take lower paying jobs just to get the health insurance. When you're paying $1000 a month, well, that does bite. Also, check the website of some of the pill manufacturers. Some do offer help for folks, although I'm not sure being a full-time college student would count.
wow, i wish i could help. kudos to you for working your way thru college tho!
As far as Social Security Disability goes, there are certain grounds and conditions that must be met in order to qualify. Just having been diagnosed with crohn's will not automatically qualify you. Go to the following link and read more about it. Good luck. . http://www.thedisabilityexpert.com/Regional%20Enteritis%20Crohn's%20Disease%20and%20Disability%20Benefits . EDIT.... Some states have programs that will help pay for prescription medications. Check with your states Office of the Insurance Commissioner. There may also be federal programs. .
I understand where you are coming from. First understand that insurance is state regulated. Depending on your state that will make a big difference. Keep in mind that as long as you do not go without insurance for more than 63 days NOBODY can impose a pre-existing condition on you, (including your crohn's). If you get into a pickle find yourself a short term medical plan to buy you time to figure things out. Typically they will only ask about 5 health questions. This decision will typically have a good thing and bad thing both. While the Short Term Medical plan will keep you from exceeding the 63 day period that I discussed, they typically DO NOT cover Pharmacy costs and also do not cover pre-existing. This policy would only be to get you to the next health insurance provider with no pre-existing. You probably have some good news on the pharmacy. If your income is under around 25-35k per year, then you can look up the manufacturer of your pharmacy and then go to the drug manufacturer's website. You will probably find a link there called "Patient Assistance Program". It is usually one page long and your physician would have to sign it, but you can probably get free medicine. Many don't know about this which is unfortunate. I have also found some counties around the country that have actually hired employees to assist their county residents in this process so the County indigent office does not have to cover these expenses. Let's get back to the bigger pressing issue. Getting that health insurance policy (Not the Short Term Medical). Check with your department of insurance for your state to see if they have a high risk pool that you can get into for your health insurance policy. This is a good option as well. The cost of the health plan might be high, but also look into programs with your state to see if there is premium assistance for the policy and also with your County Indigent office. Sometimes your county will make the premium payment for you. This is less expensive for the county than paying your medical bills. As you can see this is a sticky widget. You really want to have an expert insurance agent assisting you with this problem. Go to http://www.theamericancollege.edu/ and do a search for an agent/advisor in your area with the professional designation of RHU (Registered Health Underwriter). This is the brass ring in the insurance industry of those professionals that are more knowledgeable of issues such as what you are dealing with. You brought up disability insurance. During the course of your lifetime look for opportunities to obtain an individual disability policy. Depending on your field of study in school, and your jobs in life you may have times along the way that you obtain the opportunity to purchase a type of disablity insurance called "Noncancellable Guaranteed Renewable" disability insurance. If you do. JUMP ALL OVER THAT. It will typically cost you 2-3% of annual income, but not purchasing this type of coverage is the biggest mistake that individuals of all walks of life fail to do. This is financial planning 101 on that piece of advice. I hope that this helps. Good Luck. Lance
It sounds like you will want to find a job that offers group health benefits. Make sure that it covers prescriptions (towards the end of the interview or on the second interview). My wife has epilepsy and without her group coverage, we would be paying about $900 a month. Disability insurance will be very tricky and I don't see anyone issuing a fantastic policy on your type of risk. Still, it might be worth while to check into Assurity and Lloyds. A competent independent agent should be able to help you with this. Life insurance will look a lot better especially since you have had it for a while. Final offers will hinge on more information on the level of control that you have, but I would imagine several companies wanting to make an offer. Good luck
The ONLY way you're going to get any kind of disability or health insurance coverage, is through an employer. So you're going to have to line up a job really, really quickly so you have no lapse in coverage, and they won't exclude coverage for your Crohn's. I have NO idea why you're falling off your parent's insurance - normally it will cover you until you're 23 if you're a full time college student. So something else is going on there. But I DO know that you can go to school, and work part time for UPS, and they'll give you health insurance.
I had a former collegue who had Crohn's disease and he was in the same situation. He was an insurance agent, contract, so no benefits. I know the stigma would suck, but call Social Security and apply for Medicaid. I know, I know, but he did it and qualified. He is in school now and still on Medicaid. When he graduates, and gets a good job, with benefits, then he will get off Medicaid. Hope this helps, good luck.
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