Advice needed about switching jobs

I might be leaving my job for better pay… I’m 23, in Florida, will be making $93,600 a year, currently $67,000.

The second one has a 60-80 day period before benefits kick in, though. I’m not sure what their policy covers.

From what I can tell I have two options:

Individual coverage via the marketplace COBRA and continue my current employers plan until the new one starts or longer.

The issue that comes up is.. I’m currently paying $480 a month out of pocket for a specialist that’s out of network (there are no in network providers in my area that are currently accepting new patients). I’m fairly close to my out of network deductible for the year though. I’m also paying for medication that’s covered under my insurance but it’s still about $130 a month before the deductible. Although I’ve met my in network deductible for the year and I’m very close to my out of pocket.

So my options are:

COBRA:

$503 for premium + $480 until about august = $983 for two months.

Or

$503 for premium + ($480 * 30%) = $647 for the rest of the year after.

market place:

~$400 a month + ~$200 for specialist for the whole year + $130 for meds = $730 every month.

New employeer

~$120 a month for premium + ~$300 if in network + $130 for meds + ~$200 a month for other current in network providers (since my deductible would be reset) = $750 every month for the rest of the year

Or

~$120 a month for premium + ~$480 if out of network + $130 for meds = $730 for the rest of the year.

What I currently pay is $480 for specialist + $120 for premiums = $520

It seems like no matter what I do I’m going to be paying an insane amount of money for this for the rest of the year. I currently make way too much for assistance though and I’ve already tried filing an appeal with my current company. What do I do?

submitted by /u/simplyykristyy
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I might be leaving my job for better pay… I’m 23, in Florida, will be making $93,600 a year, currently $67,000. The second one has a 60-80 day period before benefits kick in, though. I’m not sure what their policy covers. From what I can tell I have two options:
Individual coverage via the marketplace COBRA and continue my current employers plan until the new one starts or longer.
… The issue that comes up is.. I’m currently paying $480 a month out of pocket for a specialist that’s out of network (there are no in network providers in my area that are currently accepting new patients). I’m fairly close to my out of network deductible for the year though. I’m also paying for medication that’s covered under my insurance but it’s still about $130 a month before the deductible. Although I’ve met my in network deductible for the year and I’m very close to my out of pocket. So my options are:
COBRA:
$503 for premium + $480 until about august = $983 for two months. Or $503 for premium + ($480 * 30%) = $647 for the rest of the year after.
market place:
~$400 a month + ~$200 for specialist for the whole year + $130 for meds = $730 every month.
New employeer
~$120 a month for premium + ~$300 if in network + $130 for meds + ~$200 a month for other current in network providers (since my deductible would be reset) = $750 every month for the rest of the year Or ~$120 a month for premium + ~$480 if out of network + $130 for meds = $730 for the rest of the year. … What I currently pay is $480 for specialist + $120 for premiums = $520 It seems like no matter what I do I’m going to be paying an insane amount of money for this for the rest of the year. I currently make way too much for assistance though and I’ve already tried filing an appeal with my current company. What do I do?
submitted by /u/simplyykristyy [link] [comments]Read Morer/HealthInsurance

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