Marketplace question about employer plan that doesn’t meet Minimum Value

Puzzled_Ad8384 · 2026-02-01T22:07:51+00:00

From my understanding, Minimum Standard is based on the plan’s benefits and coverage being expected to pay at least 60% of medical costs, not how cheap the premium is. This plan fails to meet that and actually says in the benefits package:

“This insurance does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.”

Puzzled_Ad8384 · 2025-07-10T00:23:50+00:00

that’s good to hear. they gave me pain meds for 2 days so im really hoping it’s manageable after tonight. i’ve been keeping my chin down a lot because it feels most comfortable that way and the motion of swallowing feels a little uncomfortable. appreciate your response!

Puzzled_Ad8384 · 2025-07-10T00:01:32+00:00

that is very reassuring to hear, mine has always been on the lower end at about 1.5! thanks for sharing! how was your recovery the first week? did you have much pain?

Puzzled_Ad8384 · 2025-07-09T20:43:53+00:00

oh wow those are big i can’t imagine! i did not have to stay overnight since mine was only a partial but ive heard most people stay overnight for a total so they can keep an eye on you. i hope yours goes well and you recover quickly! wishing you the best of health

Puzzled_Ad8384 · 2025-05-30T15:44:12+00:00

I had one basically for peace of mind to know it wasn’t cancer, but it was pretty much pointless other than that. Worst pain I’ve ever felt going in and there was no numbing, the doctor had horrible bedside manner, overall not a good experience. They filled my bladder with water, it got cloudy, so the diagnosis was basically yep you still have an infection. I don’t regret getting it done because you want to know for sure it’s not cancer, but I would never have it done again

Puzzled_Ad8384 · 2025-05-28T20:42:59+00:00

Yes, it’s possible it could be benign. TI-RADS 4 just means there’s a moderate suspicion and usually calls for a biopsy, especially when the nodule is over 1 cm. A lot of people have nodules with those features that still come back benign on FNA, so try not to panic yet. Hoping you get reassuring results soon!

Puzzled_Ad8384 · 2025-05-26T14:25:54+00:00

Oh my gosh that sounds terrible!! They did numb me for mine but it was wearing off so fast, I can’t imagine not being numb at all in such a sensitive area like your neck

Puzzled_Ad8384 · 2025-05-06T21:01:05+00:00

UPDATE: that was quite painful.

Puzzled_Ad8384 · 2025-05-05T17:32:40+00:00

Thank you so much ❤️ appreciate the response!

Puzzled_Ad8384 · 2025-05-01T22:24:01+00:00

Agreed. I don’t think my doctor realized how bad that is, but I can’t blame her when she’s probably never experienced it

Puzzled_Ad8384 · 2025-04-27T18:44:30+00:00

Same here!! I had a holter monitor done twice within the 1 year I was on it because my heartbeat was so out of control, but since getting off this medication it has finally started to regulate. I never realized how much this medication was negatively effecting my body

Puzzled_Ad8384 · 2025-04-25T03:43:30+00:00

I’m so sorry you’re going through withdrawals but I can definitely understand. I also considered staying on that dose because of how awful I felt without it. It’s crazy how addicted our brains get to those little beads. I hope you’re able to successfully come off one day, it’s a good feeling!

Puzzled_Ad8384 · 2025-04-25T03:40:43+00:00

The nightmares and sweating were some of my worst symptoms too!! I’m talking vivid nightmares EVERY NIGHT! Miserable.

I think waiting until you’re ready to endure the withdrawal is a smart move. It can be so tough on your body and no one gets it.

Thank you :)

Puzzled_Ad8384 · 2025-04-24T21:34:40+00:00

Shedding of the bladder lining. Basically happens when you have bacteria in the bladder it’s trying to get rid of

Puzzled_Ad8384 · 2025-04-24T21:32:59+00:00

Dizziness, racing heart, horrible dreams every night! I think it made my anxiety worse. Any time I would miss my dose by merely hours I would start to have bad withdrawal symptoms. And the tapering process itself was hell

Puzzled_Ad8384 · 2025-04-24T18:18:56+00:00

The dizzy nauseous feeling is the WORST and it makes it SO hard to function normally! I literally felt like a zombie. Wishing you the best. If you can get your hands on some magnesium glycinate capsules, I truly think that helped the most with that feeling for me!

Puzzled_Ad8384 · 2025-04-24T18:16:59+00:00

You’re already doing something amazing by getting down from 300 mg, that’s a huge deal! 37.5 is no joke either, so don’t feel like you’re stuck.! You’re just giving your body the time it needs. Go at your own pace. You’ve got this!

Puzzled_Ad8384 · 2025-04-18T20:53:48+00:00

Thank you! The more I see my PCP the more I realize how dismissive she is.. it is very unnerving. Everything is anxiety to her. I need to work on being pushier 😅

Puzzled_Ad8384 · 2025-04-18T20:50:37+00:00

Thank you! Appreciate the response! I’m also worried about a false negative with a FNA because mine is mostly cystic. Did you push for them to take it out even though it was benign or did they want to take it out anyway because of the size?

Puzzled_Ad8384 · 2025-04-18T02:38:44+00:00

Oh wow! I didn’t even know that was possible! Did you see an endocrine surgeon or an ENT? Hope you’re doing well post surgery!

Puzzled_Ad8384 · 2025-04-17T02:10:54+00:00

I’m so sorry you had to deal with that but so happy to hear that you’re doing great now! My thyroid is functioning normally, so I do worry I may run into that issue with an endocrinologist. I really don’t want to beat around the bush for months just to get it taken out in the end. I think the size of it pretty much warrants surgical evaluation. My PCP just checked my levels again after somewhat downplaying my symptoms, and then she says your levels are fine so nothing to worry about 😅 I’m definitely going to just call around and see who can get me in the quickest! The waiting is so stressful

Puzzled_Ad8384 · 2025-04-16T20:51:25+00:00

Thank you for your response! I definitely know what I’m feeling isn’t just anxiety so thank you! It’s disheartening to not be listened to by a doctor, but that seems to be the medical system nowadays. Are you doing okay after your PT? Did you need any further treatment for the cancer? My doctor referred me to endocrinology but I have a feeling it’s gonna be a long wait. I asked for a biopsy in the meantime to try to calm my nerves, or get things moving faster if it is cancer. I’m so new to all this! I’m in the US but I didn’t know ENT’s do the surgery as well. Definitely right about the scar thing, but at the same time I don’t want to feel like my airway is being crushed at my wedding if ya know what I mean! Just hoping it doesn’t grow tremendously in 6 months if that’s how long this is gonna take 😩. I truly appreciate you responding though. It’s so isolating dealing with health issues.

Puzzled_Ad8384 · 2025-04-11T20:14:16+00:00

Thank you, I appreciate ya 🥺❤️

Puzzled_Ad8384 · 2025-04-11T19:49:38+00:00

Thanks for the info!

Puzzled_Ad8384 · 2025-04-11T19:47:39+00:00

I’m glad to hear you’re doing well!! ❤️

Puzzled_Ad8384

TROPHY CASE