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Off Topic :
Health insurance options

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 zebra25 (original poster member #29431) posted at 7:48 PM on Friday, June 17th, 2022

My H and I will be uninsured July 1st. His COBRA payment would be $2000 A month.

He has already applied for jobs that have health care but I'm sure that will take a while.

Does anyone have advice in the mean time?

We have so many decisions to make coming at us all at once. I am overwhelmed with everything. I refilled all our prescriptions that I was able to.

I am afraid to go without insurance because a few years ago I was hospitalized for over a week with no warning.

Thank you!!

"Don't let anyone who hasn't been in your shoes tell you how to tie your laces."

D-day April 2010

posts: 2825   ·   registered: Aug. 25th, 2010
id 8740749
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tushnurse ( member #21101) posted at 8:14 PM on Friday, June 17th, 2022

Go to the marketplace and see if there are any options for you in your area that are cheaper than the COBRA.

You may find a high deductible plan that will get you through until he has new insurance. I would encourage to get 90 days worth of meds most employers have a at minimum a 30 day wait to start insurance, some are even up to 90 days.

Me: FBS
Him: FWS
Kids: 22 & 25
Married for 30 years now, was 16 at the time.
D-Day Sept 26 2008
R'd in about 2 years. Old Vet now.

posts: 19321   ·   registered: Oct. 1st, 2008   ·   location: St. Louis
id 8740757
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 zebra25 (original poster member #29431) posted at 9:38 PM on Friday, June 17th, 2022

Thanks Tush. Most of our prescriptions won't let us refill. Maybe because they were originally written for a 30 day supply?

I might be able to come off of mine. One shouldn't be a problem the other one I have to ask about. He needs two of his and should take the third.

"Don't let anyone who hasn't been in your shoes tell you how to tie your laces."

D-day April 2010

posts: 2825   ·   registered: Aug. 25th, 2010
id 8740770
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tushnurse ( member #21101) posted at 11:30 PM on Friday, June 17th, 2022

Call your Dr and ask about a 90 day supply. Also ask about samples and assistance programs if the meds are name brand expensive meds.
You may find if they are run of the mill stuff that Good Rx may even be cheaper than your insurance plan. But please don't just stop meds. Never a good idea. At least without discussing it with your provider.

Me: FBS
Him: FWS
Kids: 22 & 25
Married for 30 years now, was 16 at the time.
D-Day Sept 26 2008
R'd in about 2 years. Old Vet now.

posts: 19321   ·   registered: Oct. 1st, 2008   ·   location: St. Louis
id 8740775
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 zebra25 (original poster member #29431) posted at 1:30 PM on Saturday, June 18th, 2022

Thanks!! I didn't know if Good RX was something legitimate to look into.

"Don't let anyone who hasn't been in your shoes tell you how to tie your laces."

D-day April 2010

posts: 2825   ·   registered: Aug. 25th, 2010
id 8740812
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tushnurse ( member #21101) posted at 2:11 PM on Saturday, June 18th, 2022

Good RX is definitely legit.
You may also want to shop your Rx with different pharmacies. Some are significantly cheaper than others

Me: FBS
Him: FWS
Kids: 22 & 25
Married for 30 years now, was 16 at the time.
D-Day Sept 26 2008
R'd in about 2 years. Old Vet now.

posts: 19321   ·   registered: Oct. 1st, 2008   ·   location: St. Louis
id 8740818
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BearlyBreathing ( member #55075) posted at 5:04 PM on Saturday, June 18th, 2022

When I have been let go I have always called my dr and Rx plan and asked for the 90 day refills.
Also, I went on Covered California for a year and it was pretty reasonable compared to COBRA - especially when unemployed.
So definitely check out the marketplace— and usually there are people who are experts you can call and talk to, which given how complicated medical insurance is will be helpful.

Also if you have a FSA, make sure you use that up before the deadline.

Me: BS 55 (49 on d-day)Him: WH. 64. D-Day 8/15/2016 LTA. Kinda liking my new life :-)

**horrible typist, lots of edits to correct. :-/ **

posts: 4788   ·   registered: Sep. 10th, 2016   ·   location: Northern CA
id 8740840
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 zebra25 (original poster member #29431) posted at 6:00 PM on Saturday, June 18th, 2022

Thanks BB.

What is FSA?

"Don't let anyone who hasn't been in your shoes tell you how to tie your laces."

D-day April 2010

posts: 2825   ·   registered: Aug. 25th, 2010
id 8740845
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BearlyBreathing ( member #55075) posted at 1:58 AM on Sunday, June 19th, 2022

Flexible Spending Account— it’s one of those use it or lose it accounts where the tax-free contributions can only be used for medical costs (including a fair number of OTC type things). Not every employer offers them and they are voluntary to participate in. But generally when you leave a company you have to use the money or you forfeit it.

Me: BS 55 (49 on d-day)Him: WH. 64. D-Day 8/15/2016 LTA. Kinda liking my new life :-)

**horrible typist, lots of edits to correct. :-/ **

posts: 4788   ·   registered: Sep. 10th, 2016   ·   location: Northern CA
id 8740873
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 zebra25 (original poster member #29431) posted at 2:26 AM on Sunday, June 19th, 2022

Ok, thanks!! He doesn't have that. Sadly his insurance was amazing and cost us almost nothing. We didn't have to pay for it, had no deductibles and very low copays. I am lost trying to navigate the market place insurance. Either I am really dumb or very stressed. duh

Thanks for your help.

"Don't let anyone who hasn't been in your shoes tell you how to tie your laces."

D-day April 2010

posts: 2825   ·   registered: Aug. 25th, 2010
id 8740874
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BearlyBreathing ( member #55075) posted at 3:06 AM on Sunday, June 19th, 2022

It’s complicated- you’re not dumb. There should be folks you can call to help you navigate it.

Me: BS 55 (49 on d-day)Him: WH. 64. D-Day 8/15/2016 LTA. Kinda liking my new life :-)

**horrible typist, lots of edits to correct. :-/ **

posts: 4788   ·   registered: Sep. 10th, 2016   ·   location: Northern CA
id 8740878
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