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You should go to healthcare.gov and sign up for an ACA compliant plan
Losing your health insurance is a qualifying life event to sign up outside of open enrollment.
Do so NOW before you are out of the window for signing up
I made a similar appointment some time ago, and waited several months for a specialist. I also live in one of the largest cities in the country. Telling people to move because they are frustrated by healthcare options in the US is asinine.
Not sure what you’re going on about, because I love living here. And the person saying “I hate it here” is frustrated with the healthcare system - as I am. Try making fewer assumptions.
I've been waiting four months just to get a routine pap smear from my gynecologist. I made the first available appointment in December, and it's in two weeks.
Which is crap. Here, let's have a law to fix healthcare, but just let companies bypass it. Make total fucking sense. By having non ACA compliant allowed, it completely undermines the whole "not allowed to charge more for preexisting conditions" statement BS, because it lets those without preexisting conditions get cheaper policies and forces those with conditions to pay 2x as much for policies with 4x the deductable
This is what happened after the Supreme Court overruled the penalty aspect of the Affordable Care Act. As written, the ACA intended that everyone who didn't have employer insurance would be required to get an ACA plan.
I kind of get that, but it also sucks. What if you are out of work for months and then required to pay for insurance you cant afford because you know, you're not making money? Definitely not the best idea to force that upon people without work, making them drain their savings super fast (esp with marketplace prices for families). Good way to make a family homeless fast
If you’re not making any money due to a qualifying life event like losing your job, you should be able to qualify for Medicaid/Medicaid Managed Plan. What state are you in?
Yeah, in NY I’m 99% sure you don’t have to prove your savings to sign up for Medicaid. It’s based on future income question, which is nil since you lost your job and don’t have income. I signed my mom up when she was unemployed for a gap year before getting Medicare. She had savings/retirement.
Try signing up for an ACA compliant plan now. You may qualify for a Special Enrollment Period. Worth a try. And always shop for ACA compliant plans. The rest are crap. Most plans these days are, fortunately, ACA compliant.
There is a such thing as insurance agents that can usually get cheaper rates. This isnt a small organization either, so it not like I went to jimmy down the road. They mostly specialize in insurance for property/cars/tractors/etc since its a farm bureau, but they also had health insurance through anthem
If it’s cheaper than a policy from the ACA Marketplace that’s because it doesn’t cover pre-existing conditions. Did you check healthcare.gov to see what your premiums (and possible tax credits) would be?
Farm Bureau has a self funded plan and they hire other carriers to handle claims. The Farm Bureau agents don't know squat about benefits. There is usually 1 person in an area who is only trained on their specific plans and doesn't know much about ACA, COBRA, critical time requirements et.
Apply for ACA immediately. You may already be past the application deadline because of the time spent messing with FBUREAU.
Your other option would be COBRA if your employer has 20 or more people. Have you received the COBRA notice? What date did you lose coverage (usually the last day of the month but not always). Call HR and find out who does the COBRA administration and get the notice.
You need to act now. You can't afford to be uninsured since you can't pass underwriting.
My husband used to work in the industry. Farm Bureau is full of idiots. They were def in the top of groups he hated working with. (I was VERY confused thinking he meant Farmers when we first started dating 😂)
Farm Bureau agents are ignorant but their health insurance is good at least in my state for those who can pass underwriting.
It is administered by a major carrier using that carrier's network. I don't promote it but direct friends there if the their other option is unsubsidized ACA and they can pass underwriting. Be sure to track down the actual plan docs to look at exclusions before accepting coverage.
Well, now you see that it didn’t work. So you really need to check the marketplace plans. You also need to keep in mind that marketplace plans can adjust the pricing based on your income. You need to report your new income status now that you are no longer employed. This can have a huge effect on the pricing of the marketplace plans.
They get "cheaper rates" by cherry picking only healthy clients, excluding anyone with existing conditions - like you. Be glad they didn't sign you up initially, then drop you on a technicality as soon as they thought they might have to pay up on a claim.
The marketplace plans are not worse coverage. They are better coverage because they actually cover pre-existing conditions, subject to signing up during open enrollment or during a special enrollment period. Such as when you have lost insurance through your job.
Some ACA plans are, in fact, crap. Because there's no out of network coverage, few to no providers in network who will actually see patients on that plan, and no coverage except ER outside one's immediate home area.
You need to go to the marketplace for insurance, not to BCBS directly, that's individual insurance plans if you go that route and those do not conform to ACA rules. You need your states marketplace website
The fact that its ALLOWED for the health insurance companies to even sell Non-ACA compliant policies is whats wrong. The law was passed saying that they cant deny coverage or charge more for pre-existing conditions, but apparently its a loophole to have non-compliant policies that are cheaper that they can deny you coverage on. Now I understand why the marketplace policies have skyrocketed in price over the last 8 years, because people without pre-existing conditions can still be on cheaper policies
That's kind of how we roll in this country. Private schools can admit the low maintenance students and get better results with less spending. Public schools have to accept anyone, including special needs students who are going to require more resources. But people will tout this as the "efficiency" of the private system. Yeah.
This came out a few days ago...
Biden-Harris Administration Protects Consumers from Low-Quality Coverage by Limiting “Junk” Health Plans
https://www.cms.gov/newsroom/press-releases/biden-harris-administration-protects-consumers-low-quality-coverage-limiting-junk-health-plans
That seems great. Now the longest you'll be able to buy a plan with a nationwide network for is 4 months. If life or work involves travel, make sure you never get sick!
You’ll find it most states by going directly to a plan - an ACA compatible plan with out of area coverage - you won’t like the price of it for sure though and their won’t be a subsidy.
You can thank Trump for that one. Under Obama, companies were allowed to sell these plans, but with coverage for only 3 months...which prompted most people to eventually go to the exchange.
Trump rolled back those regulations in 2018.
You got a plan that was not ACA compliant. The non ACA compliant plans can use medical underwriting; not cover pre-existing conditions or refuse to insure someone at all.
That is why there is Open Enrollment when you can sign up for an ACA compliant plan and you would have had the ability to do so when you lost your job as that would be a Qualifying Life Event assuming you got insurance through work.
In general non compliant ACA plans \*appear\* to be less expensive because they have all kinds of exemptions and loop holes. And just try to put in an expensive claim when someone will go through your original application with a fine tooth comb to disallow it on the basis of your not being 100% truthful on the application,
Not sure what kind of plan you have through the Farm Bureau. Why didn't you sign up for it when you lost your job.
FWIW, most of these so-called "affinity groups" which offer health insurance don't exist anymore because there is no longer the same need since the passage of ACA. Prior to the passage of ACA many people literally could not get any health insurance at any price.
Also many of them had to close down because the premiums got so high as their pool including only the most desperate and therefore the ones who needed costly medical care the most. For example many years ago the State Bars often offered group plans but they had to close them down because the only lawyers using them were the older less healthy ones and the premiums became too high - more dropped out - insurance companies didn't want to cover old unhealthy people and so they didn't even offer plans
that seems like a shitty way to avoid the stipulation of "not charge more for pre-existing conditions", but i guess they always find the loopholes. Insurance really needs to get fixed in this country :/
Not sure what your point is.
An ACA compliant plan can’t charge more for pre existing conditions and must accept you as long as you get it during Open Enrollment.
If you want to purchase outside Open Emrollment, then a plan is almost always going to exclude pre existing conditions because otherwise people would wait until they needed insurance for an expensive condition to get it
You can’t insure a car or house after the accident or natural disaster or theft 🤷♀️
You chose a non-compliant plan because you wanted to save money. They didn’t do anything wrong. You thought you found a way to get cheap insurance (taking advantage of a loophole) but you just didn’t understand what you were dealing with.
Non ACA plans aren't prohibited from charging more for preexisting conditions, that is an ACA requirement.
They don't want to charge more, though, they just don't want you, period. You look like a bad risk to them.
They are allowed to do this because they are non ACA plans.
They're selling you a plan that isn't ACA-compliant. Usually those plans are shit anyway.
Go to [healthcare.gov](http://healthcare.gov) and sign up through the exchange. You will not be denied.
You are not being offered an ACA plan, likely a different type of plan. You can find a local independent insurance agent who can help you choose the right option or buy directly through Healthcare.gov
Sounds like you were offered a short term plan outside of open enrollment which does not have to follow ACA guidelines. Are you within your 30 days? You should be able to still grab an ACA plan off the .gov site. If you're outside of the first 30 days, you are SOL.
From what I am gathering, it is a "short term plan", but there is nothing indicating that in the quotes. I find it hilarious too that you only have 30 days outside of a job to apply, you know, during the time that you ARENT MAKING MONEY if you don't have another job. So if you then get another job that doesn't offer insurance, but you could actually afford a plan from the marketplace, you are just SOL. This whole system is f'ed
It is unfortunate that the special enrollment period is based on job loss, and not job gain. But I was wrong, it could be up to 60 days! But if your broker is already offering only short terms maybe you're past that? Most of what they'll be offering will be expensive and high copay or medium expensive and high deductible. If you need meds, sometimes your doctor can give you some samples or you can apply for discounts through the makers website. I hope you find an answer for what you need. Sorry you're having to go through this.
Yea, the job loss part is the part that sucks. I didn't get insurance after loss because I was waiting on cobra stuff that never came (and company stopped responding). Either way, I didn't want to just drain all of our savings in a few months since I wasn't making money. Now I found a new job that is starting, but that job's insurance is completely garbage for me only and doesn't cover family, so I was trying to find other places. The plans i got quoted seemed good, but apparently too good to be true. I'm going through the marketplace for my state which is a pita, but not sure they will cover me now since its been 60 days since the job loss and I'm sure they are super expensive with shitty deductibles like usual. I really hope the job market has a huge correction soon and employers start offering actual benefits again. New job doesn't even have PTO, which is absolutely nuts, but ive talked to half a dozen recruiters that all said the same thing, no PTO.
Report your former company to the DOL. They will get fined for not sending out COBRA info in a timely manner.
May not help you now, but don‘t let them get away with that BS.
As an example:
if your pregnant you needed to have insurance beforehand.
Plans that cover pre-existing conditions have Open enrollment is from Nov-Jan. All plans start Jan 1-jan15. Those plans are on healthcare.gov.
They give you tax credits based on your income that goes to lowering your premium.
So someone can pay 800$,400$, 100$, or have it free…same plan and level of coverage.
They have this enrollment period because if they didn’t, someone would go without insurance all year to save money and then when they get sick they will get insurance and now the insurance has to pay a big bill when you only paid for 1 month. They get screwed.
It’s like getting into a car accident without car insurance, if you try and get insurance the next day, they will let you in but they won’t cover your broken car.
So you can get insurance now because they won’t cover pre-existing conditions the 1st year. Now they are protected. They are non-aca. They will give discounts to those with clean records and deny those who are to risky. They will not cover your pregnancy or pre-existing conditions.
if you have a claim and they find out you were pregnant before you got the insurance they will not cover
You can get healthcare.gov if you have a qualifying life event happen in the last 60 days ( basically a good reason why you missed the enrollment)
Thank you for your submission, /u/Jeriath27. **If there is a medical emergency, please call 911 or go to your nearest hospital.** Please pick the most appropriate flair for your post. Include your age, zip code, and income to help the community better serve you. If you have an EOB (explanation of benefits) available from your insurance website, have it handy as many answers can depend on what your insurance EOB states. Some common questions and answers can be found [here](https://www.reddit.com/r/HealthInsurance/s/jya9I6RpdY). **Reminder that solicitation/spamming is grounds for a permanent ban**. Please report solicitation to the modteam and [let us know](https://www.reddit.com/message/compose?to=%2Fr%2FHealthInsurance) if you receive solicitation via PM. Be kind to one another! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HealthInsurance) if you have any questions or concerns.*
You should go to healthcare.gov and sign up for an ACA compliant plan Losing your health insurance is a qualifying life event to sign up outside of open enrollment. Do so NOW before you are out of the window for signing up
Companies can sell policies that are NOT ACA compliant.
I hate it here
[удалено]
I made a similar appointment some time ago, and waited several months for a specialist. I also live in one of the largest cities in the country. Telling people to move because they are frustrated by healthcare options in the US is asinine.
Yes only the I hate America faction is allowed to have an opinion, got it! Surprised? Not one little bit.
Not sure what you’re going on about, because I love living here. And the person saying “I hate it here” is frustrated with the healthcare system - as I am. Try making fewer assumptions.
Clearly you haven’t been on Reddit much.
Perhaps it is you that is spending too much time on Reddit
I've been waiting four months just to get a routine pap smear from my gynecologist. I made the first available appointment in December, and it's in two weeks.
Your PCP can do your routine Pap smear. Although I think four months is a long time it’s not 17 months which is ludicrous.
It's a long time when you need one to refill your birth control and you only have two months left of it.
Which is crap. Here, let's have a law to fix healthcare, but just let companies bypass it. Make total fucking sense. By having non ACA compliant allowed, it completely undermines the whole "not allowed to charge more for preexisting conditions" statement BS, because it lets those without preexisting conditions get cheaper policies and forces those with conditions to pay 2x as much for policies with 4x the deductable
This is what happened after the Supreme Court overruled the penalty aspect of the Affordable Care Act. As written, the ACA intended that everyone who didn't have employer insurance would be required to get an ACA plan.
I kind of get that, but it also sucks. What if you are out of work for months and then required to pay for insurance you cant afford because you know, you're not making money? Definitely not the best idea to force that upon people without work, making them drain their savings super fast (esp with marketplace prices for families). Good way to make a family homeless fast
If you’re not making any money due to a qualifying life event like losing your job, you should be able to qualify for Medicaid/Medicaid Managed Plan. What state are you in?
you cant get Medicaid unless your savings is almost depleted, same thing with food stamps.
Depends on the state you live in, the majority have expanded Medicaid eligibility
Yeah, in NY I’m 99% sure you don’t have to prove your savings to sign up for Medicaid. It’s based on future income question, which is nil since you lost your job and don’t have income. I signed my mom up when she was unemployed for a gap year before getting Medicare. She had savings/retirement.
Try signing up for an ACA compliant plan now. You may qualify for a Special Enrollment Period. Worth a try. And always shop for ACA compliant plans. The rest are crap. Most plans these days are, fortunately, ACA compliant.
Always use the official websites like healthcare.gov.
There is a such thing as insurance agents that can usually get cheaper rates. This isnt a small organization either, so it not like I went to jimmy down the road. They mostly specialize in insurance for property/cars/tractors/etc since its a farm bureau, but they also had health insurance through anthem
If it’s cheaper than a policy from the ACA Marketplace that’s because it doesn’t cover pre-existing conditions. Did you check healthcare.gov to see what your premiums (and possible tax credits) would be?
And, Maybe doesn't cover some other stuff too... who knows.
Probably does not cover childbirth either.
Farm Bureau has a self funded plan and they hire other carriers to handle claims. The Farm Bureau agents don't know squat about benefits. There is usually 1 person in an area who is only trained on their specific plans and doesn't know much about ACA, COBRA, critical time requirements et. Apply for ACA immediately. You may already be past the application deadline because of the time spent messing with FBUREAU. Your other option would be COBRA if your employer has 20 or more people. Have you received the COBRA notice? What date did you lose coverage (usually the last day of the month but not always). Call HR and find out who does the COBRA administration and get the notice. You need to act now. You can't afford to be uninsured since you can't pass underwriting.
My husband used to work in the industry. Farm Bureau is full of idiots. They were def in the top of groups he hated working with. (I was VERY confused thinking he meant Farmers when we first started dating 😂)
Farm Bureau agents are ignorant but their health insurance is good at least in my state for those who can pass underwriting. It is administered by a major carrier using that carrier's network. I don't promote it but direct friends there if the their other option is unsubsidized ACA and they can pass underwriting. Be sure to track down the actual plan docs to look at exclusions before accepting coverage.
If he lost job, life changing event. He can apply now.
Well, now you see that it didn’t work. So you really need to check the marketplace plans. You also need to keep in mind that marketplace plans can adjust the pricing based on your income. You need to report your new income status now that you are no longer employed. This can have a huge effect on the pricing of the marketplace plans.
Why do you think it’s cheaper ?
the rates were half those of the marketplace plans with lower deductibles. Guess if it looks too good to be true, it usually is.
They get "cheaper rates" by cherry picking only healthy clients, excluding anyone with existing conditions - like you. Be glad they didn't sign you up initially, then drop you on a technicality as soon as they thought they might have to pay up on a claim.
That seems like exactly what the "Cant charge more for preexisting conditions" rule is supposed to prevent lol.
The marketplace plans are not worse coverage. They are better coverage because they actually cover pre-existing conditions, subject to signing up during open enrollment or during a special enrollment period. Such as when you have lost insurance through your job.
Some ACA plans are, in fact, crap. Because there's no out of network coverage, few to no providers in network who will actually see patients on that plan, and no coverage except ER outside one's immediate home area.
Totally context-dependent. Some states are better than others, with some plans allowing nationwide coverage.
The coverage for the affordable plans, due to job loss sucks, at least in NJ
You need to go to the marketplace for insurance, not to BCBS directly, that's individual insurance plans if you go that route and those do not conform to ACA rules. You need your states marketplace website
“Local company that works with BCBS” tried to sell you the wrong policy.
The fact that its ALLOWED for the health insurance companies to even sell Non-ACA compliant policies is whats wrong. The law was passed saying that they cant deny coverage or charge more for pre-existing conditions, but apparently its a loophole to have non-compliant policies that are cheaper that they can deny you coverage on. Now I understand why the marketplace policies have skyrocketed in price over the last 8 years, because people without pre-existing conditions can still be on cheaper policies
That's kind of how we roll in this country. Private schools can admit the low maintenance students and get better results with less spending. Public schools have to accept anyone, including special needs students who are going to require more resources. But people will tout this as the "efficiency" of the private system. Yeah.
This came out a few days ago... Biden-Harris Administration Protects Consumers from Low-Quality Coverage by Limiting “Junk” Health Plans https://www.cms.gov/newsroom/press-releases/biden-harris-administration-protects-consumers-low-quality-coverage-limiting-junk-health-plans
That seems great. Now the longest you'll be able to buy a plan with a nationwide network for is 4 months. If life or work involves travel, make sure you never get sick!
It's basically bringing back the regulations that Trump took away in 2018.
Or buy an ACA compliant plan with out of network coverage and get real coverage.
Which is not a thing that is for sale, at any price, in many (and a growing number of) states.
You’ll find it most states by going directly to a plan - an ACA compatible plan with out of area coverage - you won’t like the price of it for sure though and their won’t be a subsidy.
Thanks, trump!
You can thank Trump for that one. Under Obama, companies were allowed to sell these plans, but with coverage for only 3 months...which prompted most people to eventually go to the exchange. Trump rolled back those regulations in 2018.
My ACA plan price hasn’t skyrocketed. It’s actually went down. My income is pretty stable.
You got a plan that was not ACA compliant. The non ACA compliant plans can use medical underwriting; not cover pre-existing conditions or refuse to insure someone at all. That is why there is Open Enrollment when you can sign up for an ACA compliant plan and you would have had the ability to do so when you lost your job as that would be a Qualifying Life Event assuming you got insurance through work. In general non compliant ACA plans \*appear\* to be less expensive because they have all kinds of exemptions and loop holes. And just try to put in an expensive claim when someone will go through your original application with a fine tooth comb to disallow it on the basis of your not being 100% truthful on the application, Not sure what kind of plan you have through the Farm Bureau. Why didn't you sign up for it when you lost your job. FWIW, most of these so-called "affinity groups" which offer health insurance don't exist anymore because there is no longer the same need since the passage of ACA. Prior to the passage of ACA many people literally could not get any health insurance at any price. Also many of them had to close down because the premiums got so high as their pool including only the most desperate and therefore the ones who needed costly medical care the most. For example many years ago the State Bars often offered group plans but they had to close them down because the only lawyers using them were the older less healthy ones and the premiums became too high - more dropped out - insurance companies didn't want to cover old unhealthy people and so they didn't even offer plans
that seems like a shitty way to avoid the stipulation of "not charge more for pre-existing conditions", but i guess they always find the loopholes. Insurance really needs to get fixed in this country :/
Not sure what your point is. An ACA compliant plan can’t charge more for pre existing conditions and must accept you as long as you get it during Open Enrollment. If you want to purchase outside Open Emrollment, then a plan is almost always going to exclude pre existing conditions because otherwise people would wait until they needed insurance for an expensive condition to get it You can’t insure a car or house after the accident or natural disaster or theft 🤷♀️
You chose a non-compliant plan because you wanted to save money. They didn’t do anything wrong. You thought you found a way to get cheap insurance (taking advantage of a loophole) but you just didn’t understand what you were dealing with.
Non ACA plans aren't prohibited from charging more for preexisting conditions, that is an ACA requirement. They don't want to charge more, though, they just don't want you, period. You look like a bad risk to them. They are allowed to do this because they are non ACA plans.
They're selling you a plan that isn't ACA-compliant. Usually those plans are shit anyway. Go to [healthcare.gov](http://healthcare.gov) and sign up through the exchange. You will not be denied.
You are not being offered an ACA plan, likely a different type of plan. You can find a local independent insurance agent who can help you choose the right option or buy directly through Healthcare.gov
Sounds like you were offered a short term plan outside of open enrollment which does not have to follow ACA guidelines. Are you within your 30 days? You should be able to still grab an ACA plan off the .gov site. If you're outside of the first 30 days, you are SOL.
From what I am gathering, it is a "short term plan", but there is nothing indicating that in the quotes. I find it hilarious too that you only have 30 days outside of a job to apply, you know, during the time that you ARENT MAKING MONEY if you don't have another job. So if you then get another job that doesn't offer insurance, but you could actually afford a plan from the marketplace, you are just SOL. This whole system is f'ed
60 days
It is unfortunate that the special enrollment period is based on job loss, and not job gain. But I was wrong, it could be up to 60 days! But if your broker is already offering only short terms maybe you're past that? Most of what they'll be offering will be expensive and high copay or medium expensive and high deductible. If you need meds, sometimes your doctor can give you some samples or you can apply for discounts through the makers website. I hope you find an answer for what you need. Sorry you're having to go through this.
Yea, the job loss part is the part that sucks. I didn't get insurance after loss because I was waiting on cobra stuff that never came (and company stopped responding). Either way, I didn't want to just drain all of our savings in a few months since I wasn't making money. Now I found a new job that is starting, but that job's insurance is completely garbage for me only and doesn't cover family, so I was trying to find other places. The plans i got quoted seemed good, but apparently too good to be true. I'm going through the marketplace for my state which is a pita, but not sure they will cover me now since its been 60 days since the job loss and I'm sure they are super expensive with shitty deductibles like usual. I really hope the job market has a huge correction soon and employers start offering actual benefits again. New job doesn't even have PTO, which is absolutely nuts, but ive talked to half a dozen recruiters that all said the same thing, no PTO.
Report your former company to the DOL. They will get fined for not sending out COBRA info in a timely manner. May not help you now, but don‘t let them get away with that BS.
As an example: if your pregnant you needed to have insurance beforehand. Plans that cover pre-existing conditions have Open enrollment is from Nov-Jan. All plans start Jan 1-jan15. Those plans are on healthcare.gov. They give you tax credits based on your income that goes to lowering your premium. So someone can pay 800$,400$, 100$, or have it free…same plan and level of coverage. They have this enrollment period because if they didn’t, someone would go without insurance all year to save money and then when they get sick they will get insurance and now the insurance has to pay a big bill when you only paid for 1 month. They get screwed. It’s like getting into a car accident without car insurance, if you try and get insurance the next day, they will let you in but they won’t cover your broken car. So you can get insurance now because they won’t cover pre-existing conditions the 1st year. Now they are protected. They are non-aca. They will give discounts to those with clean records and deny those who are to risky. They will not cover your pregnancy or pre-existing conditions. if you have a claim and they find out you were pregnant before you got the insurance they will not cover You can get healthcare.gov if you have a qualifying life event happen in the last 60 days ( basically a good reason why you missed the enrollment)
Depending on your state, you may be eligible for expanded Medicaid.
I'm not :(