21 Y/O Girl With No Health Insurance or Income
Published: April 10, 2009
I am a twenty-one-year-old girl with no health insurance or income. I have been off of my parents' insurance for a long time, which was caused by my graduation from a technical school I went to after high school. I have a systemic fungal infection, an abnormal endocrine system, and a staph infection in my breasts. Because of these, I am sometimes too sick to attend to regular issues, especially when I am menstruating. So far I have been doing my best to keep my staph infection in check, but it has gotten a bit worse. I have had it for four years, and know that I have already had much more luck with it than I could have expected, and that it won't stay still for much longer. I didn't seek treatment for it back when I still had insurance because I knew that I would need an injectable antibiotic due to my other conditions, and was too frightened by that concept. Since then, I have gotten a much better hold on my phobia. When I needed to keep an eye on my blood sugar, I introduced myself to a lancet and became comfortable with it. I most recently went as far as giving myself simulated injections with tiny needles to become acqauinted with and practice the action. I believe that I am now ready for the antibiotic, but am stopped by my lack of health insurance. As I mentioned, my ailments prevent me from holding a job, which is a serious problem because at my age government benefits are only for disabled people. I'm very afraid that my staph infection will get out of control and that my parents will be left with a financial crisis as a result. I don't like being a burden on them and already have been for some time since I have been unable to add to the household income. I know that I am now a young adult and should be financially responsible for these issues, but am unsure of what to do because I am very ill but not disabled. Sincerely, Very sick but not disabled, so lost and scared
Signed: 21 Y/O Girl With No Health Insurance or Income
Dear 21 Y/O Girl With No Health Insurance or Income,
It sounds like you have many serious medical issues that should be followed by a physician. Not having insurance is a serious problem for many young people in this country, but there are a few options. First, you should look into applying for your state’s Medicaid. If you do not qualify, many cities have free clinics that do charity care for the uninsured with chronic medical problems. The website; http://www.cms.hhs.gov/home/medicaid.asp may be helpful.
It is unclear from your question whether you have looked into applying for Disability coverage through Social Security. If your medical conditions prevent you from holding a job, you may qualify. The website is http://www.socialsecurity.gov/pgm/links_disability.htm.
In the mean time, we think that it is important for you to seek some type of medical attention. Your parents or other family members/friends may be able to help you with this, and it is important to not go through this alone. Find someone close to you that you can talk to and that can help guide you through this difficult time.