Our COBRA is about to run out. As of December 1st, 2010, my husband I will not have health insurance coverage. I can handle being without healthcare insurance but it’s quite different when your husband is a Cystic Fibrosis (CF) double lung transplant recipient. Not to worry though – we have it all under control – with much due diligence and my promise that he would never go a day without the medical care he needs.
That’s why I’ve spent all morning on the phone with the Health Insurance Risk Sharing Plan (HIRSP) of Wisconsin.
What is HIRSP?
“The mission of the HIRSP Authority is to provide access to high quality, affordable healthcare for all eligible Wisconsin residents.
HIRSP offers health insurance to Wisconsin residents who either are unable to find adequate health insurance coverage in the private market due to their medical conditions or who have lost their employer-sponsored group health insurance. Applicants are required to meet HIRSP eligibility criteria to qualify.
HIRSP covers major medical and prescription drug expenses, subject to pre-existing condition limitations.”
Houston, We Have a Problem!
In our rush to get the paperwork done, I forgot to include the copies of our driver’s licenses and fill out a section correctly. You see, the Hubs is not that anal-retentive and, unfortunately, drops this stuff on me at 6am shortly after I had given up coffee for good.
It seems that all those years of taking care of him in the hospitals and getting him through the transplant has made him easily count on me to get the paperwork done and ducks in a row.
Well, this anal-retentive woman screwed up and forgot a couple of ducklings.
Whoa! The Government Came Through!
Luckily, the wonderful agent at HIRSP gave me the information needed to fax over the necessary papers right away. (It is so rare and refreshing to get a helpful government agent!)
Stressful? Most definitely! But, as you can read in this blog, we’ve been through too much to let something like this stop the Hubs from getting the care he needs!