My friend is in a situation where she may lose her life due to a
problem in her colon that causes periodic internal bleeding. She
requires a transfusion every eight weeks that costs about $900 dollars
on her current insurance and a lot (unspecified) more without
insurance.
The problem at hand is that she makes a net income of at most $500 a
month, which is barely enough to pay for such expenses. She has been
relying on her mother for the funds to pay for her very life. Her
mother, however, does not have the income to continually pay this
amount and will eventually discontinue treatment. This will kill my
friend in a matter of months.
A long-term solution to this problem is for my friend to get an
education and a job that will pay enough to cover her cost of living.
I have worked out a plan that will work out with a student loan to
give her a chance at a better life. The problem is, under my plan,
she will barely have enough money to graduate and then pay off her
loan. (Details later) Ironically, with this $450+ monthly expense she
will be unable to gain an education and thus the medical expense she
is fighting to be able to pay will prevent her from obtaining the
means to do so.
As far as I know, she is uneligible for Medicaid and Medicare. If she
goes to school, she will likely no longer have her current insurance.
Here is my plan for her education: (This plan's main hole is that it
doesn't take into account her major medical expense.)
- Work for 2 years to gain residency status in Utah, Gross income: $32,640
- Modest rent cost of $300/Month: $25,440
- Modest living cost of $250/Month: $19,440
- Auto Insurance cost of $848/Year: $17,744
- Minor Medical costs $480/Year: $16,784
- Estimated Misc. costs: $16,000
- Adjust for taxes, 20% (Yes, I took the base amount and applied it.): $9,472
- 1 Year as resident at the University of Utah: $5,272
- Estimated Book Costs: $5,000
- Living Costs for that year: $-1,000
- Part time job + Full time in Summer: $1,516
- Repeat for Year 2: $-6,400
- Repeat for Year 3: $-14,300
- Repeat for Year 4: $-22,250
It seems that the US Gov't wouldn't allow for someone to die from a
treatable disease under the circumstance that they would be able to
pay for it if given time to get an education.
Are there any loans that she could apply for to help her in this matter?
Is there any insurance that she could aquire through work\gov't that
would allow some coverage of this disease?
Thank you for your time. Her life will not only potentially be saved,
but she will enter a better socio-economic postion from your answer.
In the event that these two questions are answered sufficiently, I
will provide a decent tip. In the event that other circumstances are
brought to my attention regarding my plan for her that I had not
previously considered, I will offer a small tip. In the event that
she acts on the information provided by your answer which will lead to
her better life, I will provide a *nice* tip.
Thank you. |
