#MHAMBC Migraine & Headache Awareness Month #9: Mama Mia: Money Money Money: How does living with Migraine or another Headache Disorder impact your financial situation?

June Migraine awareness month

I have gotten behind on my blogging due to an extended Migraine cycle, so I am trying to catch up. Due to recent tragic events In the CMA Community, it is more important than ever to get the word out so that people understand Chronic Migraine Disease.

 

Ah yes, how does money impact ones financial burdens when dealing with Chronic Migraine Disease. It costs a lot of money to see if not one but several doctors on your care team so there is the office visit co-pay to contend with-that is as long as the doctor is in your insurance network and if he/she isn’t your co-pay is higher.

Then you always have a battery of diagnostic tests to go through: MRI’s, CT’s, Blood Work, Preventive procedures-Botox for Migraine and implantable devices as well as any trips to the ER or Infusion Center that you may have to make. Of course there is a deductible we have to meet each year before major expenses like hospital visits and procedures are covered, and if you don’t have much money to begin with it puts you in quite a bind-what to pay for 1st or to set up payment plans.

Then comes the many medications we must be on: Preventive, 1st Line Abortives and 2nd line abortives. Some of these meds insurance will cover and you pay a minimal co-pay. But if some are name brand instead of generic then you have to go through the hassle of fighting the insurance to get it covered and filled at the pharmacy, but then it’s at a very high co-pay. Some abortive medications the insurance company puts a limit on to how many you can get per month. My injectable Sumatriptan (Imitrex) was limited to 2 boxes of 2 injections-a total of 4 shots for the month. That only covers TWO Migraines. When you have Chronic Migraine Disease you have more than 2 major migraines a month. So you have to contact the doctor to contact the insurance to get more approved for each month. Finally after so much hassle the insurance company approved 4 boxes per month.

And then if you have any alternative treatments like Chiropractic, Massage Therapy, Acupressure, Acupuncture, or herbs and supplements, the insurance doesn’t cover these things and it’s all out-of-pocket at 100%. If you have to get special glasses to help with your migraine-to block the eyes from the painful brightness for those of us that are sensitive to light, then you pay 100% out-of-pocket. Now if they are RX glasses through an optical department the insurance will cover a portion if you have vision insurance.

I do have SSD so I get Medicare payments monthly, but it is a far, far cry from my paycheck that I brought home each month. So making do without many items and stretching it thin is a process. Having Chronic Migraine Disease is no fun, that is for sure, and its financial impact has put a stop to a lot of things we use to do for leisure. Going from a paycheck once a week to a payment of once a month is hard to budget, but you learn the hard way. And there are a  lot of times you don’t have the money to spare to see a Chiropractor or any of those other services that may make you feel a bit better only because you cannot afford the cost.

I really do feel for those who do not have insurance because even with our 2 insurances combined we still pay a lot out-of-pocket, but I cannot imagine not having any insurance at all. That would be a major crisis as you have to make the decision to get treatment, or get food and pay the bills for rent, mortgage, car and homeowners/car insurance. This disease has cost a fortune and I would not want to sit down and actually calculate the cost because I’m afraid it will give me heart failure, and like that’s another illness I need to contend with-NOT.

Learn more about the MHAM Blog Challenge and 

Other MHAM events by visiting:

2013 Migraine & Headache Awareness Month Information Page

June, Migraine and Headache Awareness Month, is dedicated to Unmasking the Mystery of Chronic Headache Disorders. The Migraine and Headache Awareness Month Blog Challenge is issued by FightingHeadacheDisorders.com.

One thought on “#MHAMBC Migraine & Headache Awareness Month #9: Mama Mia: Money Money Money: How does living with Migraine or another Headache Disorder impact your financial situation?

  1. Pingback: Migraine Awareness Month… | One God News

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s