We Did it...New Insurance!

We Did it… Thank you Lord. Jason was told on August 7^th that he had been approved for the PCIP insurance. Now I don’t know all the ins and outs about everything yet and I can honestly tell you that I am scared. Our monthly payment is reasonable especially compare to others, but what gets me is the 20% that the insurance doesn’t cover. That’s still a lot, and I pray that we don’t have to pay that upfront. The average cost for the heart transplant, before and after care is a whopping   997,700.00. 20% of that is 199,540,000. !!! I feel better once I know what the co pays will be.

 I know in my heart that God will provide everything we need financially, so as of right now I am placing this in is hands and he will see us through.  In the beginning to this process, when medical  bills started piling up and as they still continue too. I told Jason we cant worry about the money or about how much we still owe. We pay a certain amount every month. But like I told him, we have to live and we have to have food on the table and such.  I’m sure anyone with medical problems are experiencing the same thing. It will all work itself out, but the important part is my Jason will be able to get off hold on the transplant list!

His effective date will be September 1, and Ill make an appointment for him to do back to the doctor that week. He hasn’t been to the doctor in so long, Ill will be interesting to see what they say. God has watched over Jason this entire time. He hasn’t had to go to the hospital at all. Infection free and everything..Praise God.

Even though when you have and LVAD (or anything for that matter) anything could happen at any time..BUT I will feel more secure knowing the doctors are checking on him every few weeks now, at least it will give me comfort that hes ok.

Im sure it will take him a few weeks of test and things before getting back on the list, but I will surely be looking forward to that day! One side effect that I see with the LVAD ( in Jasons case) is that he has gained weight, so hopefully that wont be an issue.

So the lessoned learned here is there’s always going to be something. Even after Jason gets as heart, (and he will, in Gods time of course) there will still be issues and there will still be fears. But as we can see things and issues may try to break our spirit, but you have to keep your head up and keep going and always…always have faith that God is with you and that he will make miracles happen.

Finding New Insurance with an LVAD...

Believe it or not I did not drop off the face of the earth. Jason and I have had a few hard weeks. First off I will say that Jason is still doing great. We found out I few weeks back (January 9,2012)that Jason has been place on hold  on the Heart Transplant list because his Insurance had ended. Jason’s Insurance from work ended October 16^th.  My first fear was not the money. It was that anyway a perfect donor match could come in for Jason and he wouldn’t get a call. This made me extremely sad. Jason always has an awesome way of looking at things though he said well it’s the ways it’s supposed to be right now, there’s no sense in getting mad at people, it’s not their fault. Which I know he is right, but still I wasn’t going to sit back to see what happened next, I had to get my honey some insurance to get back on that list!

First it was hard for me to comprehend that it would be so hard to get Jason help through the state.

We were told he made too much. Now while I do understand the state insurance is for low income families what I don’t understand is that why Jason can’t get insurance. They actually said if he made X amount of money a month, and his house payment was the same amount, he still wouldn’t qualify. I just don’t get that. He has worked since he was 15 years of age, and within that time has paid his share of taxes. It really just broke my heart.

Jason is still waiting on the Social Security Disability Insurance, but we were told even if and when he is awarded the Social Security Disability he would still have to wait 24 months to get Medicare. So I kept on pushing forward.

It wasn’t until I called the Governor’s Office here in Virginia that I got some hopeful news. The Insurance that I found out about is called PCIP. One of the requirements is that you must have a pre-existing condition to get this insurance and you must be without insurance for six months before applying. The great thing about this program is that it is not based on income, it is based on age. Now, while he can’t apply for this insurance until April, for us it is still a light at the end of the tunnel.

 We just started receiving bills last week that were sent to the old insurance by mistake, so as of right now he medical cost goes back to October 21, 2011. As you can imagine, they are astronomical.

We have to continue to have faith that God is leading us in this direction for a reason. Although I know it is hard sometimes, we both know that in the end God is watching over us.