I suffer from excruciating chronic pain, but at least I've found a great doctor who is willing to help me. Of course, doctor visits, health insurance, and medications are not cheap. You get what you pay for, I believe. And I am very skeptical of any program run by the government. I've heard there's tons of red tape, long waiting periods, and that you are treated like a number, not a person. And that you have to go to County Hospitals and government doctors. It sounds horrible!
My chronic pain makes it impossible for me to work. I recently discovered that a person has to make at least $17,000 a year in order to qualify for Obamacare, so I don't even qualify for that.
A friend of mine suggested I try Med-Cal, but from the stories I've heard, it sounds like being a chronic pain patient on Medicaid is a nightmare. Am I right about this? Does anyone have any experience or stories to share?
Of course my pain doctor does NOT take Medicaid, so I'd have to pay out-of-pocket for my doctor's appointments. (I basically already do that, since my PM doctor is not a preferred provider on any insurance plans). If I was on Medi-Cal, I'd still have the option of paying cash to see my private doctor, right? Or not?
However, I'm really worried that Medicaid would never cover the expensive pain medications that I have to take. I take Exalgo (long-acting Dilaudid), which would cost several thousands of dollars a month without insurance. I also need to take Dilaudid suppositories and phenergen suppositories for nausea. Each of these meds would also be VERY expensive without health insurance, even though I'm taking the generic versions.
I googled the Medi-Cal drug formulary and it looks like none of these 3 meds is covered. Medi-Cal only wants to pay for very cheap drugs. I'll bet that their quantity limits are pretty restrictive, too. At least my current health insurance allows me to get the meds I need, in the proper amounts.
So is my only choice to keep paying expensive premiums if I want to continue to receive the meds that I need just to function at a basic level? It sounds like it, unfortunately. They keep raising my premiums every single year, which is so distressing. I don't know how I'm going to be able to afford this health insurance for the rest of my life, but I really have no choice.
It just seems so unfair that healthy people who are able to work get great FREE health insurance, but they never even have to use it. Friends and relatives I know have great FREE health insurance, but they never even go to the doctor, never go through their deductibles, and never need to fill any prescriptions. Yet those of us who are chronically ill and unable to work have to pay so much for health insurance, doctor's visits, meds, etc. I basically feel like I'm being penalized for being ill.
Am I correct that Medi-Cal/Medicaid is NOT a good choice for CP patients? (I know that some people have no other choice. You have my sympathy.) Does anyone here with CP have experience with being on Medicaid? What is it like? Do they refuse to cover the meds that you need and impose crazy restrictive quantity limits? Are you allowed to see a private doctor? All I've really heard are horror stories. Is it as bad as everyone says?
Thanks,
Eva