We need to buy Healthcare. How should we go about this?
March 4, 2013 8:34 AM Subscribe
My family needs medium-term health insurance, and we're not really sure where to start or what type of plan would work best for us.
posted by furnace.heart to health & fitness (5 answers total) 1 user marked this as a favorite
My wife, 18 m/o son, and myself just moved back to our home-city (Portland, Oregon) from a year of living in the Northeast (Portland, Maine).
We had been planning to move back at the end of this year, but our timeline got accelerated by our savings being decimated by some car-repair bills, and an emergency-room visit for the kid and wife (even after insurance, it was really expensive for us). This was compounded by the fact that I was never able to find full time work, and my hours had just been reduced to the lowest level for me not to qualify for unemployment. We cut our losses and moved back to the Portland, Oregon area and are staying with family to get back on our feet.
The good news is that my wife got a very, very well paying job (for us and our history) working for a neighboring county (she works in mental health). This job is great for her in every respect; it pays well, she works with people she knows and likes, and even qualifies her for loan forgiveness after 2 years of working there (which will be a godsend for our finances). However, due to some licensing hiccups and the way the job is structured, she won't be eligible for health benefits until October of this year. The good news is that those benefits are incredibly lucrative as well (and are issued through Providence, if that matters at all).
I got a job offer working with a new company in my field, that has potential, but isn't making a ton of extra money; I make enough to cover daycare costs, and save a little bit on the top of that. I don't get benefits at this job. I'm also not completely tied to this job, and would gladly take another one if it would drastically improve my family's situation. It's a job I know and I am good at, and down the line, might have some financial perks.
That's the situation.
We're wondering what on earth we should do for insurance. We do not qualify for Oregon Health Plan, because we both found jobs so quickly. As far as our medical needs, we still need to take the kid to regular checkups to make sure he's on track for development, getting vaccines, etc. My wife and I also have a couple minor health issues that need maintenance and prescriptions (but we can pay these out of pocket, they're not expensive).
Our options as we see it are:
-For me to find a different job with benefits.
-To purchase our own health plan (which would probably be a Providence plan, so we wouldn't have to switch doctors & specialists once my wife's insurance kicks in).
What would the pros and cons of each be? We've never been in this situation and could really use some guidance.