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DippyDem

(660 posts)
7. I was laid off some 5 years ago and went thru a transition of insurance programs.
Wed Aug 8, 2012, 10:51 PM
Aug 2012

First I was offered COBRA and the cost was outrageous so I declined it. I was excused from paying penalties of not having insurance on being determined that I could not afford insurance. Then I applied for SSDI and got it in very short time. Now that I had SSDI I had to buy Mass insurance. I tried to get Mass Health as I could not have Medicare. There was a 2 year wait before you could have Medicare upon starting SSDI. I was determined to have too much income from SSDI (2100 monthly) to qualify for cheap or free Mass Health. I had to apply for outside insurance set up by Mass. I got Commonwealth insurance. It covered everything except drugs. I was lucky as at that time I was taking a few drugs and Walmart had just started offering generic meds for like 10 bucks each for each 3 month supply, I was able to get all on a generic basis. The Commonwealth insurance cost me like 125 a month IIRC. 2 years later I got Medicare along with drug benefits. Cost was a bit more. 130 plus 37 bucks for drugs. So yea I guess Mass insurance worked out well for me in transition to Medicare.

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