"So basically you should just try not to need a doctor."
January 11, 2014 8:01 AM Subscribe
The New York insurance website said I qualify for Medicaid. This means I'm not eligible for the regular subsidized plans and must pay full price for them if I want them. This makes no sense whatsoever, but nobody will budge on this. What can I even do?
posted by dekathelon to Health & Fitness (64 answers total) 7 users marked this as a favorite
Question explains it all. I am unemployed and do not currently have health insurance, and even though I am under 26 my parents either don't have health insurance they can put me on or aren't willing to put me on theirs (respectively).
Based on last year's income, the New York insurance website said I qualify for Medicaid. This means I'm not eligible for the regular subsidized plans. They said that if I defer Medicaid I must pay full price, which is FAR more than I can afford. This makes no sense whatsoever - if my income qualifies me for Medicaid surely it should qualify me for a subsidized real plan that doctors and therapists actually take - no one I am currently seeing takes it - but nobody will budge on this.
I have no health insurance for the month of January because the website wouldn't even recognize my identity in the system before the coverage deadline. (It also deleted my entire application several times and I had to re-enter it all.) The February coverage deadline is fast approaching. And supposedly there is a fee if I go too long without coverage.
I can't talk to my parents about it because they are very conservative and will turn it into an Obamacare rant, as they have every time I have been forced to bring it up just in the course of everyday conversation. It takes forever just to get past the health insurance's phone tree, let alone talk to a person, and I can't stand talking to companies on the phone anyway.
What can I even do? The only options seem to be uninsured or as good as uninsured, neither of which are very appealing.