I would like some medical health insurance assist from a rational particular person.

By | February 11, 2019

I posted in r/healthinsurance however the one assist I actually received was individuals saying to purchase medicine over seas or get a insurance coverage dealer. So this is some background first. On xmas eve of 2016, my husband went into the hospital with a coronary heart charge of 240-260bpm. On February 1st 2017 he went in to get an ICD implanted, that very same day his Medicaid received shut off as a result of he received a job in October of 2016. After looking round for just a few months, we lastly discovered him a plan via Market that was cheap with cheap copays and coated every thing he wanted. So now, I have been with out insurance coverage since 2017 and we determined that I wanted to use additionally. So the very first thing I did was add myself to my husband’s 2019 utility via Market. And the outcome from that was that with my earnings,which is $9.25 an hour and as much as 28 hours per week, making our earnings round $33,000, his plan would change utterly and it could go up from $140 a month with $5 physician copays, $20 specialist copays and $three medicine copays to $273 for each of us with $65 physician copays, $85 specialist and $30 medicine however not one of the meds he is on can be coated. At that time after doing the mathematics, we might not be capable to afford groceries for the month. After panicking and a little bit of crying I simply went forward and eliminated myself and known as and requested about put him again on the plan he had. The outcome from that was that he’d be caught with the plan that was $273 for each of us however would go all the way down to $255 for simply him. So then I went forward and eliminated my earnings utterly. The appliance needed to undergo DHS to verify what tax credit he certified for and I’ve to add the proof that he doesnt qualify for medicaid. So I am hoping that in spite of everything of that I can get again the plan we have been snug with for him. Now, my husband is a bit mad at me for not making my very own applacation simply saying that it is simply me and no point out of being married and I attempted to clarify to him that that might imply I qualify for medicaid and meals stamps and that might again fireplace on us and we might get in hassle for perjury. He doesnt perceive that we cant apply individually and never point out that we’re married to attempt to get cheaper plans. So what do I do to get insurance coverage for each of us that covers every thing or most of every thing that retains him even alive that also permits us to eat and preserve our heads above water every month? submitted by /u/SufficientlyStinky [link] [comments]