life help: I just can’t understand! - Help.com



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I just can’t understand!

I’m in major need of an ankle implant. I have a job, make just enough to not quite get by, have insurance that considers ankle replacement an experimental procedure. A wife and son that are Bi-polar. My wife can’t work and cannot collect disability. We are fighting with the school district because my son fell through the cracks because of his frustration and disalutionment about getting help because he has a learning disability. Where do I go? When my wife flipped out because of the Bi-polar, I couldn’t find any help trying help her. Nobody could do anything. Now I’m stuck again. I’ve applied to the hospital for some financial help. I live a very frugal life. I am not extravagant. When the general public wants something they just charge it. Then when they get so far in debt, they bail out and claim bankruptcy. I won’t live that way. Really, I just charge when an emergency arises. I have recently resorted to charging most of my expenses, only to keep better track of where my money goes and because my expenses have become more than I make.. I know this sounds like I’m whining, but I’m at the end of my rope. Where is the light at the end of the tunnel? All I really want is a little compassion from the insurance company to help pay for my ankle? How do I get the insurance company to reconsider their evaluation? $40,000 is not chicken feed and I need the ankle to be able to continue working and continue supporting my family.

This open post was written 1 month, 3 weeks ago | V/U/S: 97, 4, 3 | Edit Post | Leave a reply | Report Post

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Since writing this post Anonymous may have helped people, but has not within the last 4 days.

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SoulRising offline Verified User (2 months, 2 weeks) Shouts: 381 #
An Unknown Location | 1 month, 3 weeks ago (7 minutes after post)

Ankle replacement, definitely invasive. What are your alternatives (what other treatments have you tried…)? Are you in pain? If so rate it 1-10. Who is your insurance provider?

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Anonymous #
1 month, 3 weeks ago (2 hours, 14 minutes after post)

wait for hillery to get to office and gives us universal health care!!!!

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Anonymous #
1 month, 3 weeks ago (2 hours, 16 minutes after post)

or apply for financing through the ankle specialist. i would say they will need a good 5 grand to start.

Pray to God or who ever your higher power is for direction.
Get your ladies on medication ASAP!!! lol

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Richard cor de lyon offline Verified User (1 year, 2 months) Long Term User Shouts: 182 #
An Undisclosed Location | 1 month, 3 weeks ago (3 hours, 51 minutes after post)

lol… wait for Hillary… LMAO… if you’re gonna do that I would just cut your foot off.

If you have exhausted all other options, and you know a replacement is the ONLY option that you have (and you’d be wise to have written affidavits to this affect), then you start your letter campaign. First to the highest official within the Insurance company itself. Then to the Insurance Commissioner if your state has one. Congressmen and the press. Write to consumer advocacy groups as well. If you have affidavits from medical professionals, and you can prove that an insurance company is making it impossible for you to live a decent life… think how that will look spread across the 6 o’clock news!

I’m sorry to hear of your problems; been there done that.

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