I need some advice, please! I got my RN Acceptance letter from Hostos the first week of June. My Health Insurance was cancelled a few days before I got my RN letter because the HHA agency that I work for decided my 200+ work hours a month didn't qualify me for their Health Insurance plan since my patients pay out of pocket not through government assistance.
My job told me that I can either pay $669/mth for their insurance or go through the health Insurance Marketplace. Well, I've been trying for a month to get health insurance through that site and failed each time. I've called them each time the site failed to enroll me and I get a "We'll sent your issue to the Technical department" after they have tried to enroll me themselves and run into the same problem.
On the other hand, my job has been messing up my hours and not paying me what I worked for. So I'm constantly fixing their errors and having to wait longer to get properly paid. That means my savings is almost gone and my bills are piling up.
Anyone know of a free or low income clinic in NYC that I can get the blood work and physical before my classes start at the end of August?
And who do I contact to help me with this Health Insurance issue?
It's really unfair that I've done everything right and I'm being screwed because of technical difficulties that aren't my fault.
I'm confused about your job and insurance. Were they providing your insurance before? Did it cost less than $660? Is the $660 for COBRA? Did you get any warning before you were dropped?
You're in NYC, so any drugstore walk-in clinic or urgent care center should be able to do the physical and bloodwork you need.
When I tried to sign my kids up for ACA last year, my state's exchange was having huge problems. We ended up signing them up by phone, and it took about a month, but we got them retroactive coverage. Have you tried talking to an ACA Navigator in person? Have you looked into an insurance broker who could sign you up for ACA or a compatible private insurance plan (I'm not sure you could get a subsidy if you went that route)? Does your school offer a compatible health insurance plan?
This quote is an interesting response to another poster's point that perhaps the title to your forum message is not quite accurate to your actual situation. If fellow nurses seem nitpicky about something as seemingly benign as a forum title, it is not because it is an opportunity to be mean to others, but it's because the field of nursing requires accuracy in almost everything we do. If one can't be bothered to contemplate the accuracy of something as simple as a forum title, then where does it stop?
The supreme court has decided that words don't really mean what they say.
The supreme court has decided that words don't really mean what they say.
If you actually read and go beyond Faux News and the Republican Party propaganda you would find that the whole lawsuit was based on a willful misreading of the word state. Start a new thread if you want to discuss further :)
Most universities have some preferred / recommended plan that students can purchase (and since it's bought through the school in a round about way it gets put in with all your costs). Well - all the universities I considered had something of that sort.
If you actually read and go beyond Faux News and the Republican Party propaganda you would find that the whole lawsuit was based on a willful misreading of the word state. Start a new thread if you want to discuss further :)
All the states that set up exchanges read the law as it was written. We are a nation comprised of 50 states, not that hard to understand. The word state is not hard to understand. Maybe the NYT can explain it for you.
As someone who has had numerous headaches with trying to get insurance from the marketplace outside of the enrollment period, I sympathize. Have you tried looking for a plan on https://www.ehealthinsurance.com/ ? I have purchased plans there in the past and it was easier than going through the marketplace. To enroll outside of the open enrollment period you need a legit reason. In my situation I selected a plan, and it was pending until I provided proof that I lost coverage within the last 60 days. I had HR at my job write a letter that I was no longer eligible for benefits. My insurance was activated after they received the letter. It might get a little more complicated if you apply for a subsidy, because I believe then it will still have to go through healthcare.gov.
Like other posters have mentioned, it shouldn't be too difficult to find a clinic to do the necessary exam and labs for roughly around $200 for everything. Going to the department of health and family services would also work. Plan to spend the better part of your day there and show up early. They can help you get insurance through the marketplace. Don't leave until it's sorted out.
See if you have an occupational health clinic near you. Here locally we have a place that does all the health requirements for school for very low cost. Physicals were like $50, titers $20, PPD $10, etc. also contact the Health dept
This does involve Obamacare because my Health Insurance ended in May and I was suppose to be enrolled in a new Health Insurance through Obamacare that next week. But because of frequent site difficulties, a month is ending and I'm still unable to get health Insurance. I'd have my physicals and bloodwork done by now.
The other stuff I added to show that I'd have difficulties paying for these things out of pocket.
You realize that it's because of Obamacare that you even had the option to enroll in a new health insurance through the Marketplace instead of paying the full price through COBRA, right? Obamacare isn't preventing you from getting into your RN program, that's an absurd conclusion to your situation.
I read over my post and I still don't see where the confusion is. My first paragraph gives a reason why I have to use the marketplace. The second paragraph shows how my attempts at using the marketplace failed for weeks. And my next paragraph shows why I need low pay options. The Marketplace has better pay options, at least in NY.
You realize you're making an argument FOR Obamacare with this statement, right? The Marketplace is the better option for you, it has lower cost plans. Without Obamacare there would be no marketplace and your only option would be to pay almost $700 a month for COBRA.
You realize you're making an argument FOR Obamacare with this statement, right? The Marketplace is the better option for you, it has lower cost plans. Without Obamacare there would be no marketplace and your only option would be to pay almost $700 a month for COBRA.
Or private insurance which would not take you if you had a pre existing condition and still likely to cost as much as the COBRA if not more.
Most schools make it mandatory that you have insurance and will offer you a low cost plan. Check with them and your insurance woes may well be over! You can roll the cost of the insurance into whatever financial assistance package you get.
How old are you? If you are under 26, you can be covered by your parents plan.
As for the testing, many schools have a student health clinic that will draw your labs and do your drug screen at a nominal cost, if not as other's mentioned try a walgreens or something like that.
Criola
4 Posts
I agree! This forum is very approriate for questions such as yours.
Those who have a hard time not being sarcastic, need not reply to the posts!
They can go kick rocks for all I care and if they don't know how...they can "google it"