Losing My Insurance..... Again

[ejpoeta]

My husband and I are on Family Health Plus in NY and have been for about a year I'd say. A few months ago we got a letter we were getting dumped and I had just gotten medicine for bipolar and wasn't sure if I should take it. Well, he got it straightened out and we were without insurance for the month of June. So I basically took one pill instead of two to stretch it out to last til July when I would be covered again.

The medicine stopped the mood swings of bipolar, but then I was depressed and angry all the time. So I went in to the doctor and she put me on ANOTHER medicine for depression. Two pills. I know at least one of them, both generics of whatever the meds are, is $99/mo without insurance. So I just now am starting to get to a point where I am not bursting into tears or trembling every time I leave the house. And we get a letter that we are losing our insurance.

Why? Well, we have always teetered at the top end of the cap for the insurance. And Bob has avoided any overtime for fear that would bump us over it. Mind you, overtime is not a regular thing. They don't want overtime and yet you end up with it. I am guessing it had to do with the two weeks of on call. Now he is $200 over the limit and we are dumped as of October 1st.

So what to do. Bob's brother has said I should apply for Disability because I have Depression and Bipolar. I have a hard time leaving the house even. I used to take the kids to the park and the library once a week every summer but this year.... we went once. I just couldn't do it. Not that I don't want to. I start shaking. I end up in tears. At the store getting groceries. Doesn't matter where.

Yes he has access to insurance through his work. It is expensive and has high deductibles. It's worse than when we had it when I was pregnant with Abby who is now going to be 2 next month. And with my meds we'd be screwed. Bob, his stuff is for high blood pressure and heartburn or something. $4 at walmart. I am sure there isn't a $4 equivalent for my prescription at walmart. Do I just stop taking it and give up? Do I TRY to apply for disability when I haven't even worked in over ten years. I mean, I have been a stay at home mom raising my kids.