My Mom has Cancer and is losing her health insurance! (PIOG)
She works for BOCES and is not eligible to get health insurance through her job until she's been there 5 years! She's a year and 1/2 shy of her 5 years! That's ridiculous! Anyway, because of that, she had insurance through a state program called Healthy New York. My Dad's raise put them into a higher income bracket, so she is no longer eligible! Also, on a side note, ever since Elliot Spitzer became our Governor, it seems he keeps cutting programs like this! On the day she had her biopsy, she received a letter in the mail stating that her health insurance would be cancelled as of April. She's also apparently not eligible for disability pay because BOCES doesn't pay into it! As if a diagnosis of Cancer wasn't hard enough to deal with!
My Dad works for a non-profit agency and to add my Mom to his policy will cost them over $400 a month! Dad estimates about $9000 a year! Mom looked into getting her insurance through COBRA, but it was going to be over $1000 a month! Now Dad is looking for a part time job as a security officer (even though my Dad is 50% disabled, due to a back injury he suffered years ago, and can no longer work in construction, which he did his whole life until then). My parents are in their mid 50s and shouldn't have to be living like this!
We're trying desperately to find options for Mom to have health coverage that they can afford. She is not eligible for any of our state programs now or for Medicaid. Trying to find a new job now would be very difficult, given her condition. She was thinking about taking a leave using the Family Medical Leave Act, but still, the Healthy NY program goes by last year's income, so that wouldn't really be too helpful with the income issue. (I still think she needs to because she works with disabled children that get sick a lot and she also has to lift them and tend to them, including help feed and toilet them. It's not an ideal job for someone who just had surgery and will have a weakened immune system due to chemo treatments).
Does anyone know of any programs or affordable insurance options that I can recommend to my Mom or at least look into for her? Mom's worried they will have to sell her car because they won't be able to afford the payments (they're going to have a difficult time selling an SUV with gas prices as high as they are, especially when they still owe on it). She can't drive stick, so she wouldn't have anything drive at all, since my Dad's car is standard.
This has been so hard on her and my Dad, physically and emotionally. They don't need this nightmare on top of it! Please, if you know of anything that can help, no matter how small, I'd really like to hear from you. Thanks!