So, here’s my situation, and sorry for the block-of-textness:
Age: 37
State: Illinois (I’d rather not give my Zipcode online)
Income: ~$30k total across 2 jobs (I’m a teacher, but not at the point of selling blood… yet…)
I have VA health care (Service Connected Veteran at 60%). The VA system is absolute shit tier. I see a doctor about once a year. I suffer from several mental health problems that are service connected (Anxiety, MDD, PTSD) and the VA can only get me to see a therapist pretty much like once every 2 months. They had me re-evaluated (to try to decrease the Service Connected payments) and the doctor who did the re-evaluation was appalled at the treatment I received and told me I should be seeing a therapist at least once a week. He then increased my rating and moved me to the “Orange” category (whatever that means). So, I’m trying to see a doctor outside of the VA, but I need insurance.
Here’s my problem: Apparently, service connected VA health care actually disqualifies me from receiving any tax credits and the cost of even the cheapest plan is pretty crippling (looking at ~$400 a month). I am already paying out-of-pocket for treatment for my ADHD (not covered by the VA) and I can’t afford to pay even more for one of these marketplace plans, but I need insurance as I recently left the one of my 3 jobs that was providing me insurance because I could not work it anymore with my other 2 jobs (I was frequently pulling 13-15 hour days every day) while also taking college classes.
I’m just looking for any help navigating this shitstorm of a system because I can’t afford to pay $400 a month for insurance that won’t kick in till I’ve paid $7k on top of the $300 per month I already pay for meds and doctors.
I’m looking for any suggestions or directions anyone can give me. I’m a computer science/math teacher and calculus/C++ are nowhere near as complex as a veteran looking for supplementary insurance in the US health care system.
submitted by /u/Starstalk721
[link] [comments]So, here’s my situation, and sorry for the block-of-textness: Age: 37 State: Illinois (I’d rather not give my Zipcode online) Income: ~$30k total across 2 jobs (I’m a teacher, but not at the point of selling blood… yet…) I have VA health care (Service Connected Veteran at 60%). The VA system is absolute shit tier. I see a doctor about once a year. I suffer from several mental health problems that are service connected (Anxiety, MDD, PTSD) and the VA can only get me to see a therapist pretty much like once every 2 months. They had me re-evaluated (to try to decrease the Service Connected payments) and the doctor who did the re-evaluation was appalled at the treatment I received and told me I should be seeing a therapist at least once a week. He then increased my rating and moved me to the “Orange” category (whatever that means). So, I’m trying to see a doctor outside of the VA, but I need insurance. Here’s my problem: Apparently, service connected VA health care actually disqualifies me from receiving any tax credits and the cost of even the cheapest plan is pretty crippling (looking at ~$400 a month). I am already paying out-of-pocket for treatment for my ADHD (not covered by the VA) and I can’t afford to pay even more for one of these marketplace plans, but I need insurance as I recently left the one of my 3 jobs that was providing me insurance because I could not work it anymore with my other 2 jobs (I was frequently pulling 13-15 hour days every day) while also taking college classes. I’m just looking for any help navigating this shitstorm of a system because I can’t afford to pay $400 a month for insurance that won’t kick in till I’ve paid $7k on top of the $300 per month I already pay for meds and doctors. I’m looking for any suggestions or directions anyone can give me. I’m a computer science/math teacher and calculus/C++ are nowhere near as complex as a veteran looking for supplementary insurance in the US health care system. submitted by /u/Starstalk721 [link] [comments]Read Morer/HealthInsurance