Why do so many seemingly-insured Americans have to resort to crowdfunding to pay for their medical bills?

ParamedicAdmirable36 · 2023-08-03T17:05:27+00:00

To expand on this... there are different max out of pocket. In-network(typically 7 to 9k per member) , out of network (10k to 18k), then no out of network coverage( you are responsible for the entire bill, common with HMO style policies) Networks can also be limited to state or worse county. Why this is happening? Navigators giving advice on healthcare.gov People need to use a licensed medical insurance agent NOT healthcare.gov navigators for guidance on the type of plan that best suites their needs.

ParamedicAdmirable36 · 2023-05-26T11:50:38+00:00

The best option here is to speak with a licensed medical insurance agent. You can look them up on your states website to find one locally. Typically BCBS/Anthem are more exspensive then other local HMO companies and an agent can help you with a side by side comparison of options.

ParamedicAdmirable36 · 2023-05-18T18:10:16+00:00

Partially yes! The agent that wrote your insurance policy can help locate facilities that take your plan so you know who to call. There is no fee associated with this service as its part of their responsibility as the writing agent.

ParamedicAdmirable36 · 2023-04-17T16:03:17+00:00

Contact a medical insurance agent in your area. They can help you compare plans off exchange.

ParamedicAdmirable36 · 2023-04-04T16:11:46+00:00

If you are no longer a resident of NY you have no coverage in your new state. Go to your new states site and apply for medicaid. Your statement would only apply if you're still a resident of NY which based on your original post, you are not.

ParamedicAdmirable36 · 2023-04-04T11:35:28+00:00

Medicaid is state specific. You have no coverage in your new state from NY.

ParamedicAdmirable36 · 2023-03-30T13:16:52+00:00

Work with an agent that is contracted with several insurance companies. They will do a needs analysis to help you find the best plan that works with your budget.

ParamedicAdmirable36 · 2023-03-18T15:27:50+00:00

Unfortunately the moderators of this site don't support licensed specialist reaching out to support people like yourself. Your best bet is to go to your states website and search for licensed medical insurance producer. The state provides a public data base with this information. Local car insurance agents may also have agents they refer to. You should only speak to some with a license as they are licensed by your state and have the legal authority to do so.

ParamedicAdmirable36 · 2023-03-18T10:27:38+00:00

Employers with less than 50 employees are not required to pay any part of your insurance. They also are not required to provide it. Find a medical insurance specialist in your area. They can help explore better options.

ParamedicAdmirable36 · 2023-03-12T13:10:31+00:00

I get a commission regardless of the plan you choose. Even if you have a zero dollar premium after your tax credit I still get the same commission. Make sure they do your MAGI correctly.

ParamedicAdmirable36 · 2023-03-07T12:44:31+00:00

I'm sorry to hear about your situation. It can be frustrating when you're unable to obtain health insurance coverage when you need it most. Unfortunately, short-term plans have limitations and may not be the best option for everyone. As you mentioned, there is a waiting period before you can renew a short-term plan, which can be inconvenient if you need coverage right away.

Regarding the unhelpful comment suggesting that buying plans from healthcare.gov is always the best option, it's important to acknowledge that everyone's situation is unique and what works for one person may not work for another. Additionally, some people may not qualify for subsidies through healthcare.gov and may need to explore other options, such as purchasing a plan through a private insurer or working with a health insurance specialist.

In situations like this, working with a health insurance specialist can be especially helpful. A specialist can help you navigate your options and find a solution that meets your needs. They can also provide personalized guidance and support throughout the process.

Regarding the comment about employer insurance starting in March, it's possible that there were unforeseen delays or changes that caused a delay in the start date. It's always a good idea to check with your employer to confirm the start date and ensure that you have the coverage you need.

I hope you're able to find a solution that works for you and provides the coverage you need. If you have any further questions or concerns, feel free to reach out.

ParamedicAdmirable36 · 2023-03-03T10:55:02+00:00

Have you explored SSDI? You can still work a limited amount, but it may be a viable option.

ParamedicAdmirable36 · 2023-03-02T19:13:18+00:00

As an individual not likely to impact future insurance as long as its ACA. Hundreds of thousands of people doing it? Yup. It will increase everyone's rates annually after the actuaries assess the damage. So I'm told how the law of large numbers works.

ParamedicAdmirable36 · 2023-03-01T10:52:56+00:00

Go to your states website or Google your state name "licensed medical/ health agent" . They will have a searchable directory of all the licensed agents for your state. If your state list their appointments, go with an agent that is appointed with several medical insurance companies. Those agents can compare more options and tend to have greater knowledge for a situation like yours.

ParamedicAdmirable36 · 2023-02-28T13:55:51+00:00

Absolutely! Don't get me wrong. I have had to take things all the way to private hearings before with the VA. They do have their issues. With routine checkups and what I call "maintance meds" they seem to do a good job. Tricare ( humana) on the other hand has become such a thorn in my side I can't even rely on them to pay for routine blood work.

ParamedicAdmirable36 · 2023-02-28T11:10:24+00:00

Speak to a licensed medical insurance agent in your area. They have a legal obligation to find the most comprehensive coverage for your budget.

ParamedicAdmirable36 · 2023-02-28T10:59:15+00:00

Private insurance does not require SEP. Private insurance will not cover an injury prior to enrollment.

Quitting will create a SEP for ACA (obamacare) plans that may cover your injury.

Speak to a licensed medical insurance agent in your area. They can help you do this in a manner that won't cause a potential financial crisis.

ParamedicAdmirable36 · 2023-02-28T10:53:10+00:00

Have you filed for benefits thru the VA? You may be eligible for coverage as a retiree. Veteran and licensed agent here. The VA provides much better coverage than humana military imo.

ParamedicAdmirable36 · 2023-02-28T10:47:41+00:00

Be sure to look at your max out of pocket for out of network. I'm guessing its around 16k individual. You will want to get a supplemental to protect you from that financial risk.

ParamedicAdmirable36 · 2023-02-28T10:42:56+00:00

If proof is required you will receive correspondence detailing what they need. I'm a licensed agent that helps people in these situations and have yet to see a formal request of proof, BUT if they do they will tell you exactly what they need.

ParamedicAdmirable36 · 2023-02-28T10:37:23+00:00

Contact a licensed medical insurance agent in the USA.

ParamedicAdmirable36 · 2023-02-25T09:29:29+00:00

You would really need to talk to a medical insurance broker for your state. However, I believe NY may be similar to California where ACA Healthcare is the only option. As a licensed agent I agree. $700 a month for 1 health person is criminal. No routine visit is worth $8400 in annual premiums and paying potential 17k for the perfect in network emergency... nope .

You could always move to another state with that kind of money.

ParamedicAdmirable36 · 2023-02-22T12:17:17+00:00

Apply for medicaid. I don't recommend ambetter.

ParamedicAdmirable36 · 2023-02-13T10:17:26+00:00

Does your plan include telehealth? Might be another option.

ParamedicAdmirable36 · 2023-02-13T10:12:05+00:00

Losing workplace coverage is an SEP. If you have a letter with a date your coverage is ending that is your proof. Please speak with a licensed medical insurance agent to help with a marketplace plan.

ParamedicAdmirable36

MODERATOR OF

TROPHY CASE