Parkinson’s disease like any other major illness would be covered by your individual major medical plan as long as you had Medical Insurance before you were diagnosed. If you were diagnosed with Parkinson’s disease and did not have a major medical policy there are still some options available.
One option would be to get a major medical policy called Pre Existing Insurance Plan (PCIP). It is a medical plan that is offered jointly through both the state and federal government. In order to qualify you must have been declined for major Medical Insurance or have a doctor or a Medical Insurance agent signs a letter stating that you are ineligible for a major Medical Insurance plan.
The other option would be to apply for Social Security Income (SSI) which is basically having the government decide that you are disabled. To be successful in obtaining SSI it is best to have a lawyer handle that for you. Once the government has declared that you are disabled you may apply for Medicare and or Medicaid after you have had SSI benefits for at least 24 months. You may also apply for a Medicare Advantage Medical Insurance plan that has a zero premium and still keep your Medicaid benefits. It can be complicated and if we can help at Insurance Medics please give us a call.
Parkinson’s disease is a brain disorder that causes a gradual loss of muscle control. Patients with Parkinson’s disease can live a normal lifespan. The disease requires medical treatment and really requires that you have major medical insurance to treat it and give the patient the most enjoyable life he/she is capable of having. It usually strikes a person in their 50’s but there are two well known people with Parkinson’s that became ill at a much younger age. Mohammed Ali was in his 40’s and Michael J. Fox in his thirties. Some early warning signs of Parkinson’s are:
- a slight shaking of a finger, hand, leg, or lip
- stiffness or difficulty walking
- difficulty getting out of a chair
- small, crowded handwriting
- stooped posture
- a “masked” face, frozen in a serious expression
Some people have thought that there was a connection between Restless Leg Syndrome (RLS) and Parkinson’s disease since the same drug, dopamine, is used to treat both diseases. Healthfinder.gov is reporting that “People who are diagnosed with RLS and are concerned about their risk of Parkinson’s should be reassured”, according to Dr. Roy Alcalay, an assistant professor of neurology at Columbia University Medical Center in New York City. Dr. Alcalay added “Most people with RLS won’t convert to Parkinson’s disease, but there are nonspecific leg symptoms that can come on early even before a Parkinson’s disease diagnosis is made by a neurologist”. Medical insurance is important so that all the available testing and drugs are affordable for the patient with Parkinson’s disease.