This has been on my mind, so I’mma ramble. 🙂 If we’re able to come to a settlement agreement regarding the medical portion of my claim, I wonder if I’ll be able to eventually undo all of the damage that’s been done. 🤔😟 Not the physical stuff, of course, since that’ll slowly continue to get worse over the years… but the way the whole process has mentally changed me, especially over the past several years. 😞
It’s just that I’m guaranteed that one week out of every month will be filled with anxiety and stress, simply because I have to get my medications filled. 😐 The meds are required to be covered by my claim, and many years ago I could pick them up without issue – even being able to get them a few days early at times. 🤷🏻♂️
Then the problems started. 😒 Short delays turned into long delays, and long delays became even longer. Eventually the delays were so long that I’d have to pay out-of-pocket just so I didn’t go without, and then wait and hope that I’d get paid back. 😕 If my doctor prescribes a new medication, it can be denied pending an IC hearing. Even when a prescription doesn’t change they can still sometimes deny coverage pending an IC hearing to prove that it’s still necessary. (Which, after a decade, it obviously will be.)
Three weeks of “tolerable” pain at best, followed by a week of worrying, fussing, and fighting just to get the meds that they’re legally required to provide. 😠 Repeat, repeat, repeat, repeat… 🙄😞 Combine that stress with fluctuating pain and lack of ability, and eventually it consumed so much of my thoughts and time that I started backing away from everything else.
(Don’t mind my rambling… like I said, this blog sometimes acts as my therapy…)
When I can’t guess how I’ll physically feel, and I can’t even count on having (or being able to get) my meds to help… things became too unpredictable to continue like I had been. 🙁 A couple of years ago I had a long phase where I couldn’t do anything if it meant someone “counting on me” for something. Family started getting shut out, friends definitely got shut out, all because I never knew how I’d feel when I woke up that day nor if I’d be facing (or getting pulled into) another hearing or lengthy process with the pharmacy.
That hasn’t changed. 😐 The concern and worry, that is. 😒 Along with my family and friends’ understanding, I’ve been able to make some adjustments that has kept me from totally isolating myself these days… but lemme tell ya, sometimes it feels easier to just remove myself from people’s lives than to disappoint them over and over again when things are bad. 🥺😞 And that leads me back to my original question… how long does it take for a person to escape that mindset, if that 1/4 of each month no longer has that anxiety and stress from the fight? 😐
The stress now, for better or worse, is making sure the settlement (whether an annuity or lump sum) is truly enough to cover the things that it will need to cover. If not, I’ll just be trading the stress of fighting for meds each month for the stress of not being able to take the same meds, because I won’t have the funds to pay for them. 😒 Medicare is technically supposed to step in at that point, but they’ll require all kinds of proof that I spent the settlement money only on applicable things, and the more expensive meds still might not be covered. 😖 So as you can see, there truly is “always something.”
Kinda makes all the “You’re so lucky that you don’t have to work anymore!” folks reconsider, eh? 😏