Hello, our beautiful perfectly healthy daughter was born April 11th of this year, and I’m trying to figure out the best course of action for health coverage. I am self employed and get my health insurance through the healthcare marketplace. My wife gets hers through her work where they cover $200 per month. Her insurance plan is bluecross blueshield and is $350 (IL Blue Precision HMO) , so she has always paid about $150 out of pocket. When our daughter was born we added her to my wife’s plan which added an additional $550 to the plan, so now we are paying $700 out of pocket for their insurance.
Our income isn’t very high, so I looked into government assistance and they said our daughter qualifies for medicaid (I believe they said at no cost to us). I know basically nothing about all of this, and I called the medicaid office to ask about it and they were to be honest quite uninformative. The woman at the office asked if I would like to sign up and I said most likely, but I will have to talk to my wife about it, and today an Aetna insurance card shows up with a letter saying which primary care physician they selected, (which is not the one we’ve been bringing her to).
It looks like our chosen primary care physician accepts medicaid, but we would have to switch our medicaid plan to the BCBS one. Should I do that and just cancel the private insurance for her? Will we be getting subpar health insurance through medicaid? Do I have to go through the drudgery of government phone mazes constantly if I’m on medicaid?
Basically, this insurance is much more costly than I expected and is an almost overwhelming financial hit for us. It’s not that we can’t possibly pay it, but it puts a huge financial weight on us. At the same time I don’t want my daughter to have completely awful coverage, I want what’s best for her within reason.
Any help or advice/resources would be greatly appreciated. Thanks in advance!
submitted by /u/Downshift187
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Hello, our beautiful perfectly healthy daughter was born April 11th of this year, and I’m trying to figure out the best course of action for health coverage. I am self employed and get my health insurance through the healthcare marketplace. My wife gets hers through her work where they cover $200 per month. Her insurance plan is bluecross blueshield and is $350 (IL Blue Precision HMO) , so she has always paid about $150 out of pocket. When our daughter was born we added her to my wife’s plan which added an additional $550 to the plan, so now we are paying $700 out of pocket for their insurance. Our income isn’t very high, so I looked into government assistance and they said our daughter qualifies for medicaid (I believe they said at no cost to us). I know basically nothing about all of this, and I called the medicaid office to ask about it and they were to be honest quite uninformative. The woman at the office asked if I would like to sign up and I said most likely, but I will have to talk to my wife about it, and today an Aetna insurance card shows up with a letter saying which primary care physician they selected, (which is not the one we’ve been bringing her to). It looks like our chosen primary care physician accepts medicaid, but we would have to switch our medicaid plan to the BCBS one. Should I do that and just cancel the private insurance for her? Will we be getting subpar health insurance through medicaid? Do I have to go through the drudgery of government phone mazes constantly if I’m on medicaid? Basically, this insurance is much more costly than I expected and is an almost overwhelming financial hit for us. It’s not that we can’t possibly pay it, but it puts a huge financial weight on us. At the same time I don’t want my daughter to have completely awful coverage, I want what’s best for her within reason. Any help or advice/resources would be greatly appreciated. Thanks in advance!
submitted by /u/Downshift187 [link] [comments]Read Morer/HealthInsurance