From the moment Linden was diagnosed at 10 months old, we have struggled financially to provide everything for him. Since then he has had constant therapies and doctor visits. His immune system isn’t as strong as some kiddos so he gets sick quite frequently which brings us to his regular doctor often. He also has 10+ specialists he sees throughout the year several times each year. We have private insurance through my work and honestly it’s quite decent compared to others. Linden’s deductible is $2000 each year, which we reach that pretty early into each new year. Unfortunately only therapies and equipment go towards that $2000. All of his 10+ doctors we pay a co-pay ranging from $25-$40 for each visit. This all adds up quickly and we pay around $5000 a year in just Linden’s medical bills and prescriptions. I know many families can relate.
Linden has been on several medicaid waiver lists since he was 10 months and a few months ago his name came up to the top for MDCP (Medically Dependent Children’s Program). This is a tough program to qualify for. We jumped through hoops to try and get Linden approved. After a 4 month process we received his determination letter…..denied! I have mixed feelings for why as he is quite dependent on us and caregivers to function with daily activities. I have an opportunity to appeal and would love some advice from you all…….
There was one positive that came from MDCP process……Linden was able to get Medicaid! This is huge news! For those of you that understand how big this is, you know I was jumping up and down and crying of joy! We use my private insurance as his primary and medicaid for secondary. Whatever his primary doesn’t pay medicaid picks up the rest. I was nervous the first time we used it. I thought surely it was a mistake. But NOPE, it worked! This is our saving grace. We have struggled for the last 5 years to pay for therapies, doctor bills, procedures, prescriptions and diapers AND now we are getting help. A massive amount of stress has been lifted from my shoulders.
I had to share our amazing news. Please share your saving grace story. I would love to read about it.