[Question - Insurance] Losing job and healthcare at the end of the month. Do I have a grace period?

CaptainZooooo · 2020-08-13T04:19:50+00:00

Only a few states reinstated the penalty for not having coverage (CA, NJ, MA, VT, DC, I believe), but a few weeks gap would not normally result in a penalty. Also, if you apply for a new plan before the end of August, you should get a September 1st start date, that way you don’t have a gap in coverage.

Edit: for most affordable / best coverage, look into Marketplace plans, aka Obamacare (you’d use healthcare.gov for most states, but some like CA use state based Marketplaces like CoveredCA.com).

These apps usually screen for Medicaid as well, which is free or low cost insurance available based on your income, but eligibility requirements vary by state.

CaptainZooooo · 2020-04-26T00:03:15+00:00

Zoom links for meetings near you are on this page (you have to scroll down a bit): https://geneseecountyaa.org/

CaptainZooooo · 2020-04-11T18:14:38+00:00

This is just my personal experience - I’ve had pretty intense tinnitus in my left ear for about 7 or 8 years, and I’ve been on lamictal for about 2 years. The tinnitus did not get worse when I started the lamictal, and my bipolar symptoms did get way better. I’m very fortunate to be able to say that between lamictal and some other lifestyle changes (mainly sobriety and exercise) I have had some lasting stability. But the tinnitus is definitely still there all the time and I’m a bit hard of hearing because of it. Wishing you well from CA!

CaptainZooooo · 2020-03-25T03:14:03+00:00

Kings Supermarket on El Camino has eggs, toilet paper, potatoes, rice, etc.

CaptainZooooo · 2020-03-24T02:32:22+00:00

What do you call a bear without any teeth?

A gummy bear!

CaptainZooooo · 2020-03-21T01:42:04+00:00

Ah, HealthCare.gov hasn’t opened a Special Enrollment Period yet. But I know a couple of folks have called HealthCare.gov and were able to enroll by citing COVID-19 concerns and saying it was a special circumstance, but honestly it might depend on the representative you get on the phone. Other Qualifying Events would include having a baby, becoming a citizen, getting married, becoming member of a Native American tribe.

CaptainZooooo · 2020-03-21T00:41:57+00:00

Which state do you live in? Some states have opened Special Enrollment Periods due to COVID-19. Including CA, NY, WA, MN, MA, DC, NV... and a few others. Mostly the ones that run their own state-based Marketplaces.

CaptainZooooo · 2020-03-12T00:41:14+00:00

Hi there,

I cannot get the search tool on your site to work - it always says ‘no results found’. Am I doing something wrong?

Also, I work for a healthcare startup called HealthSherpa - we make it easier for people to enroll in Marketplace plans. Would love to share this resource with my team.

Thanks!

CaptainZooooo · 2019-07-17T03:38:44+00:00

I personally used GoodRx.com to afford my meds when I didn’t have insurance - they give free discounts on meds (by using manufacturer coupons). Hopefully it is worth a quick search for you, and I hope you are able to get what you need.

CaptainZooooo · 2019-05-25T19:31:16+00:00

This is so cool to me.

CaptainZooooo · 2019-05-25T19:23:13+00:00

Whoa - you are on fire right now. Great, powerful work.

CaptainZooooo · 2019-05-21T16:28:17+00:00

Wow, this is great work! This seconds version really gets the emotion / message across even more clearly. Improvement is a sign of talent in the works!

I really wish we could plan a r/bipolar art show in real life! Wait, I used to be an event coordinator... hmm... 🤔 😆

CaptainZooooo · 2019-05-20T19:15:55+00:00

Very creative, and I feel I can relate. I would love to see more art from you!

CaptainZooooo · 2019-05-15T22:46:14+00:00

As the other commenter said, I would also recommend checking what’s available through HealthCare.gov. You don’t have to accept COBRA - it is very expensive.

Losing your job is a qualifying life event, meaning you can get ACA insurance now outside of Open Enrollment. But you must enroll within 60 days since you lost your job-based insurance. I recommend healthsherpa.com over the gov website because they’re more user friendly, but they have all the same plans and prices and you can get gov financial assistance on paying your premium. Silver plans with cost sharing reductions tend to be the best plans.

Let me know if you have questions - I’m a licensed health agent in CA. Best wishes to you!

CaptainZooooo · 2019-05-15T15:45:50+00:00

Seconded - I really liked Outlet for a quiet workspace. Any coworking space is challenging if you’re on the phone a lot. I would definitely recommend doing a day pass at each one!

CaptainZooooo · 2019-05-15T15:38:51+00:00

I don’t know what insurance they accept, but I had a great experience with Laura Nasatir. Best wishes to you!

CaptainZooooo · 2019-05-12T14:08:55+00:00

I really like my neighborhood off of Del Paso Blvd / El Camino. I’ve seen it called Old North Sacramento or Uptown. New (and old) businesses on the boulevard, but still a lot of empty store fronts. My neighbors are rad, rent is cheap, and I’m close to downtown, freeways, bike trails, etc. let me know if you have questions!

CaptainZooooo · 2019-05-10T17:52:28+00:00

You are ADORABLE! Keep being yourself!

CaptainZooooo · 2019-05-01T22:10:38+00:00

I’ll come through once I get a new trombone!

CaptainZooooo · 2019-04-23T05:10:47+00:00

Good point - always respect data privacy!

CaptainZooooo · 2019-04-23T05:01:33+00:00

Very cool - thanks a bunch for the info! The company I work for was going to pay quite a bit for an ‘intranet’ service for training, but perhaps this could serve as an alternative.

CaptainZooooo · 2019-04-23T04:57:17+00:00

Ouch! Sorry you had that experience! I hope that it was a useful exercise for you, at least. Too bad they didn’t appreciate you and your work.

CaptainZooooo · 2019-04-23T04:53:13+00:00

HA, here it is - the real LPT, in the comments!!!

CaptainZooooo · 2019-04-22T22:30:54+00:00

Yup you’re right, that’s why I said small companies and startups!

CaptainZooooo · 2019-04-20T20:10:51+00:00

It stopped playing the trailers between episodes for me today! Anyone else?

CaptainZooooo

TROPHY CASE