(IL) Should I buy private health insurance or just wait?!

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Hi, I hope I found the right place to ask this question…

I’m currently in the last semester of school, and I will no longer have my health insurance provided by the school. My health insurance covers until 1/8/2021, and I’m not sure if I should buy private health insurance or just wait until I find an employer and get health insurance through the company.

Since I’m an international student, if I don’t get hired by May 2021, I will have to leave the country. So if I buy health insurance, I will only be using it for a maximum of 5 months, or even shorter if I get hired by a company.

I have a few pre-existing conditions and I’m on different medications for them. And I don’t need to see my doctor, but I just get a refill for 12 months, except for one ADHD medication.

I found a no-deductible health insurance with a monthly premium of $316, with co-pay for a doctor visit is $30, co-pay for a prescription generic drug is $30, and co-insurance for a specialty drug is 40%. (Just a question here, if I get 3 different medication, will I be paying $90? For each drug as $30?)

But I did some math and learned that I will be only seeing my doctor using a telephone visit once a month (which costs about $100 or less), and I can buy prescription drugs using discount coupons such as Goodrx (The total monthly cost would be less than $150). And if anything, I thought I could just use an online doctor service such as HeyDoctor for less than $50. Additionally, the specialty drug I need costs $8000/month without insurance, and $3200 with insurance, so I think I will just have to give up on that medication for a few months.

I am more inclined towards not getting health insurance and just use telehealth/GoodRx. I predict I would be spending about $250/month ($100 doctor visit + $150 prescription drugs), rather than paying $420/month ($300 premium + $30 doctor visit + $90 prescription drugs). Also, if I get new health insurance, I have to find a new doctor as my current doctor doesn’t accept the health insurance I’m getting.

I’m worried if there is something that I’m missing. Can you give me any advice? It’s my first time dealing with health insurance in America, so I don’t have a good idea of how all things work.

Thank you!!

submitted by /u/Muddy53
[link] [comments]
Hi, I hope I found the right place to ask this question… I’m currently in the last semester of school, and I will no longer have my health insurance provided by the school. My health insurance covers until 1/8/2021, and I’m not sure if I should buy private health insurance or just wait until I find an employer and get health insurance through the company. Since I’m an international student, if I don’t get hired by May 2021, I will have to leave the country. So if I buy health insurance, I will only be using it for a maximum of 5 months, or even shorter if I get hired by a company. I have a few pre-existing conditions and I’m on different medications for them. And I don’t need to see my doctor, but I just get a refill for 12 months, except for one ADHD medication. I found a no-deductible health insurance with a monthly premium of $316, with co-pay for a doctor visit is $30, co-pay for a prescription generic drug is $30, and co-insurance for a specialty drug is 40%. (Just a question here, if I get 3 different medication, will I be paying $90? For each drug as $30?) But I did some math and learned that I will be only seeing my doctor using a telephone visit once a month (which costs about $100 or less), and I can buy prescription drugs using discount coupons such as Goodrx (The total monthly cost would be less than $150). And if anything, I thought I could just use an online doctor service such as HeyDoctor for less than $50. Additionally, the specialty drug I need costs $8000/month without insurance, and $3200 with insurance, so I think I will just have to give up on that medication for a few months. I am more inclined towards not getting health insurance and just use telehealth/GoodRx. I predict I would be spending about $250/month ($100 doctor visit + $150 prescription drugs), rather than paying $420/month ($300 premium + $30 doctor visit + $90 prescription drugs). Also, if I get new health insurance, I have to find a new doctor as my current doctor doesn’t accept the health insurance I’m getting. I’m worried if there is something that I’m missing. Can you give me any advice? It’s my first time dealing with health insurance in America, so I don’t have a good idea of how all things work. Thank you!!
submitted by /u/Muddy53 [link] [comments]Read Morer/HealthInsurance

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