[US/LA] 25 y/o Unemployed Online Student, can I apply for Medicaid? All help is REALLY appreciated

Hello, I’m back in college after working various (low paying) jobs. I have Crohn’s Disease and General Anxiety Disorder. Right now my only income is less than $10,000 a year. My parents are nice enough to cover my living expenses until I am done with college. My college is my State’s flagship school, but online which excludes me from any sort of insurance I could have through my school.

So I am leaving my Family’s health insurance plan which is under UMR and now I need to find my own health insurance. My Crohn’s disease and GAD require a prescription each. I’m only on Lialda from Crohn’s disease so the pills are very cheap compared to Humira, etc., but I might eventually need an expensive Rx. I go to my GI doctor fairly often. I just have a few questions:

  1. Would I qualify for Medicaid and would it be a good fit for me?

  2. If I don’t, I am probably going to go with something like United Healthcare, but I’m super confused over which package to get. In terms of deductable, coinsurance, and max out of pocket. For example, if my deductible is $5,000, my coinsurance is 70/30 and my max out of pocket is $10,000, does that mean I pay 100% of my medical bills until I pay $5000, then I only pay 30% of them until I pay another $5000 and then after that I pay nothing?

Thank you guys/gals so much for the help!

submitted by /u/Jojojojo5555
[link] [comments]
Hello, I’m back in college after working various (low paying) jobs. I have Crohn’s Disease and General Anxiety Disorder. Right now my only income is less than $10,000 a year. My parents are nice enough to cover my living expenses until I am done with college. My college is my State’s flagship school, but online which excludes me from any sort of insurance I could have through my school. So I am leaving my Family’s health insurance plan which is under UMR and now I need to find my own health insurance. My Crohn’s disease and GAD require a prescription each. I’m only on Lialda from Crohn’s disease so the pills are very cheap compared to Humira, etc., but I might eventually need an expensive Rx. I go to my GI doctor fairly often. I just have a few questions:
Would I qualify for Medicaid and would it be a good fit for me? If I don’t, I am probably going to go with something like United Healthcare, but I’m super confused over which package to get. In terms of deductable, coinsurance, and max out of pocket. For example, if my deductible is $5,000, my coinsurance is 70/30 and my max out of pocket is $10,000, does that mean I pay 100% of my medical bills until I pay $5000, then I only pay 30% of them until I pay another $5000 and then after that I pay nothing?
Thank you guys/gals so much for the help!
submitted by /u/Jojojojo5555 [link] [comments]Read Morer/HealthInsurance

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