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Author Topic: SSDI and my insurance company  (Read 2411 times)

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Offline what a life

  • Member
  • Posts: 31
SSDI and my insurance company
« on: January 26, 2008, 12:31:29 PM »
I got a letter from my insurance company stating that someone on my plan had a serious illness and I my be able to get benefits. I got a card to send in for more information about ssdi. Yes all the co-pays and other related costs are eating away my savings but I am not looking for a hand out. I guess having my issues and the goverment scares me. Is this something everyone gets? I guess I am already on some list? I have a job and insurance and I am very thankful for this. I just was not expecting this letter and it kind of freaked me out. Is this something everyone who tests poz gets? Any feed back would be appreciated
I keep waiting to wake up from this dream. Why me? The past is history, Tomorrow is unknown and today is the present "a gift"

Offline BT65

  • Global Moderator
  • Member
  • Posts: 9,975
Re: SSDI and my insurance company
« Reply #1 on: January 26, 2008, 05:07:00 PM »
No, I don't think it's something everyone who's poz gets.  I've never heard of it, but maybe someone else can help you.
I've never killed anyone, but I frequently get satisfaction reading the obituary notices.-Clarence Darrow

Offline pozniceguy

  • Member
  • Posts: 1,181
  • Niceguy Dallas
Re: SSDI and my insurance company
« Reply #2 on: January 26, 2008, 05:29:17 PM »
I have seen letters like this.... the insurance company is scanning your records and found expensive drugs and /or Dr visits and tests that show higher than usual costs......Before you respond getall the info you can fro a local ASO  about possible benefits and what it means if you have some insurance...typically you can only use one or the other...but every case is different and a good ASO  can help with the details...
remember the good times...honor the past but don't live there
Le stelle la notte sono grandie luminose, nel cuore profondo del Texas

Offline Robert

  • Member
  • Posts: 2,646
Re: SSDI and my insurance company
« Reply #3 on: January 26, 2008, 07:13:54 PM »
It sounds to me like the insurance company is trying to find a way to get off the hook and stop your coverage.  Your meds are way too expensive and go over the imaginary threshold they've set for themselves to keep costs down. 

It's their problem not yours.

Their solution is for you to go on SSDI. You'd have to quit your job for one thing. I don't think you want to do that.  And chances are Medicare would deny you. 

Be careful about any letter you send to them, especially if it is form letter they sent you.  I'm sure they've worded it to their advantage and just gives them more fodder. If it was me, I would just ignore it.  IF they follow-up with another letter, well, we'll deal with that later.

robert
..........

Offline dvinemstre

  • Member
  • Posts: 96
  • hot in carolina
Re: SSDI and my insurance company
« Reply #4 on: January 26, 2008, 08:12:48 PM »
seems like your insurance company is fishing. i would shred the letter. if you are still working or able to work, ssdi is not something for which you would readily qualify and the medicare part of ssdi doesn't kick in til 24 months into disability. you would have to qualify for medicaid between the two times (geeting SSDI and qualifying for lifetime medicare). they would not have gotten a letter from any diagnostic person cause that is illegal without your written expressed consent, however, the insurance company probably has a department full of research nerds who sit in the basement with a cold pepsi and an endless supply of cheetos screening payments for drugs, then they flag people with cancer, hiv, etc or who are on meds typical for those conditions. i would not give them a tad of information beyond what they have. thanks, Zan

Offline minismom

  • Member
  • Posts: 2,608
  • Quocumque jeceris stabit
Re: SSDI and my insurance company
« Reply #5 on: January 26, 2008, 08:58:01 PM »
This is a really scary thing to happen.  Once you qualify for an insurance, can they decide to just drop you?  I know that there are "lifetime" maximums they will pay out - Mini's was $1million and she went through that by the time she was 19mths old - but can they just flat out drop someone?  I've had insurance companies refuse to pay for tests because they were too stupid to realize that intestinal cancer has nothing to do with PCOS.  But, what the heck, they're both in the stomach therefore it PCOS MUST be a pre-existing condition, right?  Only took 8mths and a few biology lessons for them to pay >:(.  But, never have I had an insurance company try to dig up dirt about me. I agree with everyone here, ignore it as long as they continue to pay for their part of stuff and keep really good records incase they decide to stop.  I wouldn't shred the letter, either.  I'd keep it just in case.

Mum
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www.MotherBearProject.org
"Whichever way you throw me, i will stand"
"Don't worry about the world coming to an end today...it's already tomorrow in Australia"  Charles Schultz

Offline BT65

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  • Member
  • Posts: 9,975
Re: SSDI and my insurance company
« Reply #6 on: January 26, 2008, 10:10:44 PM »
and the medicare part of ssdi doesn't kick in til 24 months into disability. you would have to qualify for medicaid between the two times (geeting SSDI and qualifying for lifetime medicare).

Actually, Medicare Part A (the hospital part) kicks in immediately upon receiving SSDI.  Medicare Part B (the rest of it like doctor's visits) kicks in after one year.  At least that's how it was with me and the friends of mine who were/went on disability back in the early 90's.
I've never killed anyone, but I frequently get satisfaction reading the obituary notices.-Clarence Darrow

Offline ademas

  • Member
  • Posts: 1,151
Re: SSDI and my insurance company
« Reply #7 on: January 26, 2008, 11:24:42 PM »
Is this even legal?
It sounds like something a state insurance commissioner or the SSA might be interested in hearing about--even anonymously.

Offline dvinemstre

  • Member
  • Posts: 96
  • hot in carolina
Re: SSDI and my insurance company
« Reply #8 on: January 27, 2008, 02:57:40 PM »
the medicare time line was accurate back in 2005 when i was working with vocational rehabilitation. IF the person had limited funds and could qualify for medicaid they received that for the first 24 months. If they did not, they had nothing. also, please note that the sister branch of vocational rehabilitation is called Independent Living and is for persons with disabilities who need some forms of assistance in order to remain living in their community setting (home modifications, equipment, etc) who do not have $4 or insurance to fund these needs. It is a slow process but a case can be opened for years, so apply uf that is in you rfuture in the next 5 yrs. thanks, Zan

Offline what a life

  • Member
  • Posts: 31
Re: SSDI and my insurance company
« Reply #9 on: January 29, 2008, 11:22:17 PM »
Thanks to all. I'll keep ya updated with any new info I Get.
I keep waiting to wake up from this dream. Why me? The past is history, Tomorrow is unknown and today is the present "a gift"

 


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