I am in Manhattan, New York City, and I have to change my health insurance. Can you help me with the Exchange thing?
I'm being told that, after many years with Oxford Health, via a two-person (two spouses) S-Corp through which my husband, son, and I paid the premiums, that this sort of spousal corp. is not allowed anymore via the Affordable Care Act and I will be dropped on September 30th. My husband had been opting out recently anyway because he is on Medicare now. So it's me and my 21-year-old son. I will only be using the new A.C.A. plan for one year, because after that I'll be on Medicare, and we'll just be using the A.C.A. plan for my son.
Complication: I'm having hip replacement surgery on Sept 5th, and, while my surgery will be covered by Oxford, when I go for follow-up appointment with the surgeon I will have to use my new insurance, so I have to pick a plan that my surgeon takes.
He only takes three plans on the Exchange, I'm told: Affinity Gold Preference, which I see clearly on the Exchange website, some form of Emblem (HIP), more about which the surgeon's secretary did not specify and which I cannot find on the exchange, and something called United Health Care Compass, which I can't find on the exchange.
First question: Since I can't find United Compass, could that be because it's only available to small businesses and not private families?
Next question: The first thing I have to do, if I pick Affinity Gold Preference (which I think I will) is find a Primary Care Physician. Unfortunately my current PCP doesn't not take that plan. In fact the only plan that he does take that coincides with the plans my surgeon takes is United Compass, and, as I said, I can't find it on the website and the person I spoke to on the phone of the Exchange said she couldn't find it either.
So --- I need a new PCP, I'm presuming.
I live in the East Village and it would be nice if, for a change, I could get a doctor whose office is not that far away from my home.
I'm looking at the Provider search function at the Affinity website
and I'm finding many many PCPs (a good thing, I guess), but how to wade through them? Does anyone know of the Sidney Hillman Center? There seem to be good doctors there.
Or have any knowledge of any PCPs who take Affinity Gold Preference?
(I guess I could have shortened my question to that last line. Sorry)