NWR: Health Insurance Rant

posted 2 years ago in Wellness
Post # 2
Member
11740 posts
Sugar Beekeeper
  • Wedding: November 1999

Did you see if you would be offered COBRA?  It’s not ideal, but would work for that month when you’re in a pinch.

Post # 3
Member
3704 posts
Sugar bee
  • Wedding: December 2014

Mizzbouvier14:  JiminyCricket:  You’re not allowed to utilize COBRA unless you actually lose your job, kind of stupid, but it is what it is. Have you checked out the Healthcare Marketplace? That may be your only option to get health insurance, otherwise maybe you could go to a clinic or see another doctor prior to the end date of your insurance?

Post # 5
Member
42546 posts
Honey Beekeeper
  • Wedding: November 1999

When wil the citizens of the USA decide that health care is a basic human right?

Post # 6
Member
1007 posts
Bumble bee
  • Wedding: November 1999

I would keep calling the doctor and push to have them squeeze you in. Ask if there is any way they can notify you of a cancellation. Or, if that doesn’t work, like a PP said, go see a different doctor until your new insurance kicks in. 

Post # 7
Member
3704 posts
Sugar bee
  • Wedding: December 2014

JiminyCricket:  That was actually my first thought too. I looked it up and no dice!

It got me looking into my own situation when I graduate and lose my student health insurance. It’s kind of a crappy situation if you lose your insurance outside of the open enrollment period, because you can’t even get on your spouse’s insurance at that point. Basically, your only option is to purchase your own out of pocket…

Post # 8
Member
11740 posts
Sugar Beekeeper
  • Wedding: November 1999

ShhhItsaSecret:  Well as soon as you get married, you can get on your spouses insurance (“qualifying life event”).  If you know you’re going to lose your insurance when you graduate, you should get on his as soon as your wedding happens! 

Post # 9
Member
3704 posts
Sugar bee
  • Wedding: December 2014

JiminyCricket:  Really? I was reading a website that said that only some carriers allowed that, but that’s good news at least. Doesn’t really matter for me though, my FI has VA healthcare that I can’t use anyway.

Edit: I think I was looking at if you were already married and not on your spouses health insurance and then you lose yours, you can’t enroll in theirs outside of open enrollment. So confusing…

  • This reply was modified 2 years, 2 months ago by  SithLady.
Post # 10
Member
7219 posts
Busy Beekeeper
  • Wedding: June 2015

You should be legible to sign up under Obamacare ( the marketplace for private insurance) for new insurance. I had to, and my new insurance is private like my old insurance but it covers a lot more.

I was able to pick the plan that worked for me best. Sometimes I have to get new authorizations for prescriptions, but my copays are way down and thanks to the ACA ( ” obamacare”) many issues that impact women including certain forms of birth control are now covered that weren’t before (IUD, for example). I just got an ER bill, in the past I paid thousands even with insurance. My total bill was $40 (!) plus my copy of 30. I am so darn relieved. 

Sorry you are going through this, it’s so scary. At least we have this option now, a lifesaver, frankly. Though Republicans still say they are going to repeal it if they win this November. That would totally suck. 

Post # 11
Member
11740 posts
Sugar Beekeeper
  • Wedding: November 1999

ShhhItsaSecret:  When I had to re-elect insurance after getting married (outside of open enrollment), I had to elect for me and DH.  I think this is fairly standard, although not universal. 

Post # 12
Member
3704 posts
Sugar bee
  • Wedding: December 2014

Tinatiny1:  Free birth control! Now that calls for a sincere “Thanks Obama”

Post # 13
Member
42546 posts
Honey Beekeeper
  • Wedding: November 1999

Mizzbouvier14:  Are they not required to give the employees some kind of notice so they can make other arrangements?

Post # 14
Member
7219 posts
Busy Beekeeper
  • Wedding: June 2015

ShhhItsaSecret:  yeah,,especially because I needed it for medical reasons but before Obamacare, they denied me and it was expensive enough and not guaranteed to work, so I was miserable and sick instead.  

I had private insurance, never thought the marketplace would apply to me, but life happens and it did. I’m so grateful I had this option. Thanks, Obama! 

 

eTA if you lose your insurance outside of open enrollment, you might still be eligible for the marketplace. give them a call at the national number.

  • This reply was modified 2 years, 2 months ago by  BalletParker.
Post # 15
Member
13019 posts
Honey Beekeeper
  • Wedding: June 2011

JiminyCricket:  I agree.  I dont see why you would have to wait until next year to be covered under your husband.  Getting married, having a child, death, are life changing events which allow you to change your benefits outside the normal enrollment period effected immediately.  Heck, if it’s that important, I’d go down to city hall, get the papers signed before the “official” wedding just to have the insurance.  If you had a baby in like June, you wouldn’t have to wait until January for the baby to be covered… same for a marriage..

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