how do you plan for the financial costs of ckd

[ketsyc]

hi everyone, i need some advice, my hubby and i are desperately trying to put our lives back together financially...we were in bad shape before ckd came along, I do not have insurance and not qualified for medicaid that i know of. I am still doing more checking. How do you plan for these costs? I am having non ckd issues that my neph wants checked out asap which means specialists and ct scans, and they are starting to talk dialysis.

i am so over whelmed i just want to cry tonight. what did ya'll do to prpare yourselves?
thanks ketsy

[granny]

Re: how do you plan for the financial costs of ckd

Here in UK people often moan about our health servcie but when I read about people in the states havving to have insurance and medical aid I count myself lucky my health cover and medication cost me nothing. I have while my hubby was working and had private health care used that but the care was noit so good. I now have HD at my local hospital and transport is included all free also any medications I need for CKD and other ailments.

[OkieCowgirl79]

Re: how do you plan for the financial costs of ckd

We were in the same boat. The good news is that Medicare will kick in after you have been on dialysis for three months. The social worker will help you apply. You can also do this online. I would apply for the Medicaid as well. The worst that can happen is they deny it. I don't know where you live, but we have a clinic that bases the fees on your income.

[Marina]

Re: how do you plan for the financial costs of ckd

I'm not completely sure how Medicare would work if you have no medical insurance. Medicare in the first 30 months of dialysis only pays for 20%
After 30 months it covers 80%. Based on what kind of medical aid is available in your state, find out and apply (every penny counts!)
In CA we have "Medicaid"

Hope this helps.

Take care!

Marina

[purpleiam]

Re: how do you plan for the financial costs of ckd

How does that infor help Granny, She is looking for answers for herself, thats what alot of people do, tell you all about themselves and never listen to you.