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poor & HIV+, how to deal with insurance?
      #163508 - 11/07/05 06:20 PM

Just quit my job about 8 months ago when i found out i was positive. couldnt deal with working at the time. i haven't been working since. Since then, i applied for government assistant for health insurance which i had no problem with since i didn't have any form of income. Now i wanted to work again since i'm getting over the whole HIV thing, but questions arise. I'm just a high school gaduate with no degree,& no real experience, and the only job i can think of getting the most is $10-15/hour job with no medical or very poor medical if any. how do i deal with getting medical insurance for meds vs. looking for work without a real degree?

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Reged: 11/07/05
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Loc: Washington, DC
Re: poor & HIV+, how to deal with insurance? new
      #163513 - 11/07/05 07:00 PM

The good news is that there are resources available to help pay for meds all along the employment and income scale. That is not to say that it is not a complete pain in the a__ to hook up with them. Every state is different and every state has their own rules, the federal dollars from the Ryan White CARE act still get provided by the states and it can often be a tremendous head ache figuring out what forms need to go where and when.....That is why it is really important that you hook up with a AIDS service organization (ASO) and talk with a professional. The Body even has the incredibly useful . The best case scenario is that you find one ASO that can provide you with all the services you need, medical, dental, and case management (<--- this is the one who is the professional form finder/helper with) but see what is available near you. Since it varies so much across the country it is key that you get set up with a professional who knows the ins and outs of your locality. Hope that helps.

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Reged: 10/29/05
Posts: 65
Re: poor & HIV+, how to deal with insurance? new
      #163532 - 11/07/05 09:07 PM

Another thing to check out is your state assisted hospitals and research centers, I am in Va and they have everything you need in terms of specialist and primary care physicians, the only thing is most of these places take soooo many people a day the wait can be long, also try to find work that offers o.k. pay but great benefits like major banks--if there is a bank or other customer service oriented business in your area they are pretty good and for customer service you don't need to have anything other then a diploma...figure out what your career goal is and then go to career, an unemployment office etc...did you try SSDI? If you have the time take some type of job training. At the time I am unemployed as well, the state is assisting me w-everything but I am not a stay at home person, (and I shop too much for what the state allows) so I will be in the same boat as well, my objective is to not have a job that will make me lose out on my health benefits

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