Getting kicked off my student health plan, but can’t find an alternative that provides the same level of coverage or that I can afford. (NY)

Must Read

Fired

My old plan went through my university. I was paying about $400/month, but I only had $0 deductible, $11,000 maximum-out-of-pocket, 10% co-insurance, out-of-network coverage, nationwide coverage, and a very good in-network provider network.

  • I’m 26 (went back to school late). I don’t have parents and not declared as a dependent by anyone else.

  • I don’t think I qualify for medicaid or subsidy because of unpredictable income I generate from investments. I don’t know what my income will be because it depends on market conditions. Next year, I could lock in $15,000, $60,000+, or be at $0 or negative. I have no clue, it depends on the market.

  • I’m not employed yet and I haven’t even officially graduated yet. I might also be doing an additional internship or position that doesn’t qualify for benefits.

  • My current health insurance said to look at their short-term gap insurance polices, but they rejected me because of pre-existing conditions. It doesn’t look like they provide enough coverage for me though and it would only last <12 months.

  • Marketplace plans in my area are awful and the marketplace isn’t offering anything more than “bronze” plans. The cheapest plan is over $400/month and comes with a $5,000 deductible. Then 50% coinsurance after that up to $9,000 maximum out of pocket. I can’t afford that!!! Plus, the network of doctors are so small on these plans that I’d be paying for nothing, none have nationwide coverage or out of network coverage. The rest of the plans have a $9,000+ deductible that equals the maximum-out-of-pocket which is insane. Apart from maybe providing coverage for cancer (they don’t even cover my cancer hospital), these plans seem like pointless moneypits.

  • I use my plan more frequently. Doctors visits, occasional laboratory, sometimes I need surgery every couple years for something, etc… However, from when I had cancer or when a surgical center grossly overcharged, I’ve never maxed out a plan, but that could just be because of the rates my insurance had with providers.

What are my other options?

submitted by /u/Important_Turn5642
[link] [comments]
My old plan went through my university. I was paying about $400/month, but I only had $0 deductible, $11,000 maximum-out-of-pocket, 10% co-insurance, out-of-network coverage, nationwide coverage, and a very good in-network provider network.
I’m 26 (went back to school late). I don’t have parents and not declared as a dependent by anyone else. I don’t think I qualify for medicaid or subsidy because of unpredictable income I generate from investments. I don’t know what my income will be because it depends on market conditions. Next year, I could lock in $15,000, $60,000+, or be at $0 or negative. I have no clue, it depends on the market. I’m not employed yet and I haven’t even officially graduated yet. I might also be doing an additional internship or position that doesn’t qualify for benefits. My current health insurance said to look at their short-term gap insurance polices, but they rejected me because of pre-existing conditions. It doesn’t look like they provide enough coverage for me though and it would only last <12 months. Marketplace plans in my area are awful and the marketplace isn’t offering anything more than “bronze” plans. The cheapest plan is over $400/month and comes with a $5,000 deductible. Then 50% coinsurance after that up to $9,000 maximum out of pocket. I can’t afford that!!! Plus, the network of doctors are so small on these plans that I’d be paying for nothing, none have nationwide coverage or out of network coverage. The rest of the plans have a $9,000+ deductible that equals the maximum-out-of-pocket which is insane. Apart from maybe providing coverage for cancer (they don’t even cover my cancer hospital), these plans seem like pointless moneypits. I use my plan more frequently. Doctors visits, occasional laboratory, sometimes I need surgery every couple years for something, etc… However, from when I had cancer or when a surgical center grossly overcharged, I’ve never maxed out a plan, but that could just be because of the rates my insurance had with providers.
What are my other options?
submitted by /u/Important_Turn5642 [link] [comments]Read Morer/HealthInsurance

- Advertisement -spot_img

Leave a reply

Please enter your comment!
Please enter your name here

- Advertisement -spot_img
Latest News

Understanding insurance

This question relates to my father as health insurance here in the states ( California) can be confusing. He...
- Advertisement -spot_img

More Articles Like This

- Advertisement -spot_img