Lately, I have started worrying about what will happen with my medical treatments when my medical insurance benefits become maxed out.
I am currently working FT with intermittent medical leave and carry my medical insurance through my employer (my husband is self-employed and does not have medical insurance). I noted that my insurance plan carries a maximum lifetime benefit of 2 million dollars. I just received a bill for chemo for the month of December and my insurance company paid out $248,000. I just had 2 cycles of cyberknife with an estimated bill of $300,000. Each PET scan costs approximately $13,000 of which I've had 3 since being rediagnosed Stage IV this past October.....not to mention the CTs, MRI, biopsies, port insertion, and other special procedures & physician bills. PLUS my treatment from 6 years ago when I was originally diagnosed. I can only imagine that I am fast approaching my lifetime maximum. I'm afraid to call my insurance company to ask them "how much I have left".....and I really don't know much about SSI, disability and the like.
Can someone please point me in the right direction as to what is available to cover my medical bills when I hit this point or decide to go on disability?
Does SSI pay for medical treatment or is it just a supplemental income? How long does it take to get it? If SSI does not cover treatment, where do I get medical coverage of some sort? Am I denied medical treatment in the interim? Is medicare an option for us under retirement age? Is medicare available right away if I get SSI and am disabled to cover medical treatment?
My head is spinning.....I have tons of questions...and I just don't know where to turn. PLEASE HELP!!!