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Old 10-31-2009, 01:45 AM
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Denisa Denisa is offline
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Join Date: Oct 2006
Location: Northwest Indiana
Posts: 10,540
Need some advice, not really sure what to do

Please bear with me as this will be long...

So as some of you may know, I quit my job back in June to become a stay at home mom. Well at the time, I had health insurance through my job and obviously when I quit I no longer had the insurance through my job come the end of June. Well after I quit, I decided to hold off on getting my own individual insurance and decided I would just wait until open enrollment the beginning of this month to get added on to my hubby's insurance. Well October came around, and we ended up not being able to do it because his work raised the monthly premium and we can't afford it.

Well now I am in a predicament where I need to see a doctor to have my health checked up on, for a few reasons, and I still don't have health insurance. I was looking into individual plans again, but most individual plans do not offer preventative coverage, which I need. The ones that do offer it are again too much for us to afford.

I have looked through getting coverage through my state, but I had to have been without insurance for at least 6 months, and there's another plan that's offered through my state but we make too much to qualify. And then there's that waiting period that some insurance companies have, where I have to wait so long before certain examinations are covered.

There's a clinic in my town that takes people who have no health insurance, and they go by a sliding scale to determine what people would pay, the rest gets covered by the state. I was considering doing this, because I need to see a doctor asap. I have gone to the clinic before when I had insurance and it's a decent place.

The thing I'm worried about is that if I go and have my checkup this week, and they find something wrong or something that I need further treatment for, that it will prevent me from obtaining an individual plan when I go to get health insurance later. Because of the whole BS pre-existing condition thing.

Basically I am trying to figure out if:

*I should just get the individual plan now, and hope that everything is ok with me, which means I would have to apply for the insurance and wait until they approve me, which is a process and takes about 2 weeks. And not even be totally sure if they will approve me.

*Or I go to the doctor this week, pay for a part of the examination and also hope that they don't have to diagnose me with anything where I need to see a doctor on a regular basis, and then wait until December and apply for the state coverage. However if I go this week it will give me the piece of mind that I need.

*Lastly, one of the companies I work at home for is going to start offering health insurance coverage, but this is not until Nov. 9 that they will sent out any information, and not everyone qualifies right off the bat (you have to have done so much work for them, it's kind of complicated...) I plan on applying for it, but I have no information yet on the price of the monthly premium or what's covered. This is something new that they are offering so the details are very vague right now.

I hope this makes sense. I'm sorry this is so long, I just needed to get my thoughts out and hope that someone can lead me in a direction that would be the best, because I sure as heck don't know what to do.
 


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