Insurance Ideas

janaes
janaes Member Posts: 799 Member
in Uterine/Endometrial Cancer #1

Hi every one.  I seem to have a harder time responding to posts these days.  I still tend to read but cant find the time to respond as much.  I wanted to give a little update I think one time I shared I was l looking for insurance.  I was considering getting a full time job so I could get insurance with the company.  I applyed for a few jobs that didnt work out.  So I am with the same company I was with before ( I am a cook for the local school district ) .  Im not positive about it but it is looking like I am going to get the extra hours there that I was hoping for.  Ive been working those hours the last three weeks or so.  Ill find out more in the comming weeks and hopefully these extra hours are more secure.  Any ways I like this job in many ways and am hoping at this point that it works out.  

 

My question for you guys is what kind of insurance options are out there? If the extra hours works out I will earn a little extra to pay a premium for some insurance.  My company does not offer any.  Ive been looking into obama care and will probably apply in novemver during open enrolement.  I need some more options to fall back on. So I already know what happens to my medicaid.  It wont be that great of insurance come January ( thats when I loose my current medicaid).  

 

So does any one have any Ideas of what Insurance I might beable to look into?   I need something I can trust.

Thanks Janae

Comments

  • abrub
    abrub Member Posts: 2,174 Member
    #2
    It depends on where you live

    You'll need to find Individual Insurance either on or off the exchanges.  Each state; each locale has different options.  You must apply between November 1 and December 15 for your coverage to start on January 1.

    No one here can tell you what's best.  What is available to me in upstate NY isn't the same as what is available to someone in NYC.  Contact the American Cancer Society.  They may be able to help direct you.

  • CheeseQueen57
    CheeseQueen57 Member Posts: 933 Member
    edited September 2017 #3
    Hi Janaes,

    Hi Janaes,

    For now, if you apply through the exchange based on your income level you might be eligible for a subsidy and help with copays. And hopefully deductibles won't be too high. But if they screw around with the subsidies the premiums can be around around $20,000 and with  high deductibles so let's hope they keep subsidies in place. Your choices do depend on your state and usually do include PPO or HMO networks. Just be sure your doctors are in their networks. Some of the tactics when I last checked were to severely restrict the networks and hospitals. Also critically review the drug coverage. But you can't have access through Healthcare.Gov until November or when you lose your current insurance. There's often volunteer roper in the community at libraries, hospitals, etc that can help you navigate this and also you could contact an insurance broker who could also help you with exchange plans. 

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