I am in a personal crisis. My husband has been providing my insurance but he now has Alzheimers and has to stop working. He is 66 and will have medicare and supplemental insurance. I am on disability but my 2.5 year wait for medicare does not come until december. I can't find anything better than $1100 a month with $5000 deductible, $20 copays and 20% of my bills. It just doesn't make sense to spend that money that will most certainly be needed for my husbands care in the future. I don't want my kids to be overburdened. I am not functioning very well anymore, I know I am not long for this world. Has anyone else come up with solutions for medical coverage? I don't qualify for ADA, I am thinking about going without. I only have pulmonary appointments every 3 mos so that will be about $300 each as long as they don't do tests. I pay $43 a month for RR gym. I can go without my other appointments they just deal with annoyances and mental health. I am thinking if I got really bad and had to go to the hospital I might have luck petitioning them for a reduced bill. I am considering not having insurance until December. What do people pay for Oxygen, it's $400 mo without insurance with my service? Are there cheaper options? I only use it nocturnally and I don't use it when I am away from home and do ok. I guess I can try it and if I find I need it I can pay the $, it will still be cheaper than a ridiculous insurance program. How do I plan for the end of life? I heard COPD patients can't get hospice because the doctors can't predict death like they do with cancer.
I am feeling lost alone and insignificant.
Betsy