My Nonprofit Reviews

I have a rare disease called Primary Agammaglobulinemia. It means my bone marrow doesn't make enough immunoglobulin to protect my body from illnesses, from the flu to cancer. In order to stay alive, need an infusion of immunoglobulin every 3 weeks, which requires a certified nurse, equipment and 32 grams of immunoglobulin plasma. The plasma contains only IGG, which is just one of our immunoglobulins in our blood. Other types (IGA, IGM for example) are not replaced and remain low in me. Because I'm at risk for bacterial or viral illnesses by simply going to the grocery store, I have to stay home most of the time. I am still dealing with physical ailments due to the residual damage done to my body before a correct diagnosis was made, and the subsequent lack of appropriate medical care. This has greatly impacted my health and ability to make a living so I am now on disability. For me, there is a huge gap between what Medicare pays for and what I require. Many of the doctors I need (and hospitals, specialists and home healthcare) do not take Medicaid at all (which is the only supplemental coverage available to those on disability at a discounted rate.). I am forced to find my own private insurance. However, the cost of maintaining my medical insurance (Medicare and Humana), is impossible for me without Accessia's help., which is literally saving my life.

I have had my colon removed because bacteria caused it to stop functioning. My left eye is blind because a sinus infection got out of control and attacked my eyes. I have had a mastectomy with lymph node removal. The list goes on and on. . Because I'm considered "high risk", my health insurance is extremely expensive.
I have Medicare and Humana Supplemental, which pay for most of my medical needs, such as hospitalization, IVIG, various operations and outpatient care. My Humana Supplemental insurance alone, (Medicare is $140 per month) is $1,000.00 per month. If I don't have this kind of coverage I will not be treated for my health problems. That is one of the main reasons I am completely disabled: lack of adequate health insurance. Without the help I now receive, I would be dead.

It was terrifying for me to learn that I have a genetic, congenital condition that is fatal without treatment. It was absolutely devastating to also find out there was no insurance available to me because of my condition (and therefore no treatment for me). It was considered a "preexisting condition". After that excuse was taken off the table by legislation, the insurance companies came up with more creative ways to exclude me from care. Many doctors will not take Medicaid at all, and I often have to see specialists. Humana was the only coverage I could find that will pay for my special needs, but at an extremely high price. I've also been told that the policy I hold is now unavailable to newcomers and I'd never find a policy like the one I have should I ever default on a premium payment. The only way I can meet these financial requirements is by getting help from Accessia. They provide me with enough money each month to make my premium payments. I still pay for about half of the premium myself, but I can manage it by being very frugal with the rest of my bills. Accessia makes the difference, for me, between living and dying. Accessia makes it possible for me to receive the medical treatment I desperately need. Without Accessia, I would have no hope. Because of their help, I can wake up every day with confidence and the anticipation of good things to come.