I was well employed as a CPA, and had no intention of retiring.  Then I missed work for a knee replacement, a few months later I had a bleeding ulcer that hospitalized me, followed by kidney cancer and removal of one kidney.  My employer told me not to come back to work because they couldn't rely on me.



I did some contract work after that but it dried up.   All my savings and retirement income sources are long ago used up.  I've  been barely scraping by on Social Security.  Then, while prepping for a pacemaker, I had acute kidney failure and now require dialysis 3 times a week.  

Beyond any insurance help this has added several hundred dollars to my over burdened monthly outlays.  (For example   I have to use an adhesive shield over the site each time I shower. $3.25 each. If I shower daily, that's about $100 per month.) 

I just found out that the phosphorous binder I need to take is not covered by my insurance because it's too expensive.  There is a possible substitute that only (!) has a $345 monthly copay. I have no idea how to deal with this.

I am now behind on a growing number of medical bills.  I can't work right now and may never be able to again, though I will certainly be trying.  At the moment I can't even afford my medications.   The help I need right now would cover this shortfall while I move to a cheaper place, cut other monthly costs and create a pared down living arrangement between my income and my out-go.

Any help I get will be hugely appreciated.  I understand that times are tough for so many of us,  and I am greatly apprecitative of anything you can give will help.