Applying for Medicaid instead of taking COBRA?

news

My husband is part of an apprenticeship program that offers great insurance benefits with $0 deductible. Unfortunately when he was laid off in April, he wasn’t acquiring anymore hours in his hour bank to keep the insurance (every month of insurance deducted 140 hours from the hour bank). He got hired by a different company and was able to bank enough hours to keep us insured through December.

The first time we lost coverage in October-November, we decided to just wait it out and elect to take the COBRA coverage of something came up and we needed it. That’s what we were thinking about doing again, however we aren’t sure how long it will be until he gets hired again. He’s been fourth in line on the dispatch list with his apprenticeship program since early October. It’s looking like it will be a long while before he gets hired again.

Should we sign up for Medicaid? The only income we have is from his unemployment. Our kids already receive Medicaid so they have most of our info. I’m just worried if something major happens, we’ll wish we had our regular health insurance instead (Our current provider does not accept Medicaid). If something came up, I’d much prefer to use our established doctor and that hospital network then the one covered by Medicaid (Which we have used the in the past and they aren’t terrible, but that aren’t that great either). I know beggars can’t be choosers though, especially in our current financial position.

We are both healthy, 30-ish, people. I’m on Prozac but cash pay $4 each month for them. I had a dental cleaning and medical checkup last month since I knew we were about to lose coverage. We’re in California so Medicaid is “Medi-Cal” here. We probably wouldn’t even use it unless there was some sort of accident or injury. I know eventually my husband will be picked up by another company and once again we’ll be insured, but the timeframe is very uncertain right now. It makes sense to just apply for Medicaid, right? I want to make sure there’s nothing that I’ve missed considering before doing so.

submitted by /u/SuzieBee20
[link] [comments]
My husband is part of an apprenticeship program that offers great insurance benefits with $0 deductible. Unfortunately when he was laid off in April, he wasn’t acquiring anymore hours in his hour bank to keep the insurance (every month of insurance deducted 140 hours from the hour bank). He got hired by a different company and was able to bank enough hours to keep us insured through December. The first time we lost coverage in October-November, we decided to just wait it out and elect to take the COBRA coverage of something came up and we needed it. That’s what we were thinking about doing again, however we aren’t sure how long it will be until he gets hired again. He’s been fourth in line on the dispatch list with his apprenticeship program since early October. It’s looking like it will be a long while before he gets hired again. Should we sign up for Medicaid? The only income we have is from his unemployment. Our kids already receive Medicaid so they have most of our info. I’m just worried if something major happens, we’ll wish we had our regular health insurance instead (Our current provider does not accept Medicaid). If something came up, I’d much prefer to use our established doctor and that hospital network then the one covered by Medicaid (Which we have used the in the past and they aren’t terrible, but that aren’t that great either). I know beggars can’t be choosers though, especially in our current financial position. We are both healthy, 30-ish, people. I’m on Prozac but cash pay $4 each month for them. I had a dental cleaning and medical checkup last month since I knew we were about to lose coverage. We’re in California so Medicaid is “Medi-Cal” here. We probably wouldn’t even use it unless there was some sort of accident or injury. I know eventually my husband will be picked up by another company and once again we’ll be insured, but the timeframe is very uncertain right now. It makes sense to just apply for Medicaid, right? I want to make sure there’s nothing that I’ve missed considering before doing so.
submitted by /u/SuzieBee20 [link] [comments]Read Morer/HealthInsurance

Leave a Reply

Your email address will not be published. Required fields are marked *