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Topic: What to do for health coverage after loss of a job

Forum: Employment, Insurance, and Other Financial Issues —

Employment, insurance, and financial concerns are common. Meet others here to discuss and for support.

Posted on: May 27, 2020 12:51PM

cowgal wrote:

The company that I have been with for almost 25 years is closing down part of the company due to economics and there is a good chance that I will be out of a job in a few months as they wind a division down. My husband and I get our health insurance through my job and his job does not offer health insurance so we are having to look at alternatives since we are in our mid 50s. Obviously, if I find another job that provides insurance, I can do COBRA for any health insurance gap before going on a new employers plan. We are trying to figure out what other options are out there if I do not get another job. We do farm and ranch on the side and I am trying to see if any trade organizations related to that would have plans that we might be able to join. I realize that I can do COBRA for 18 months but would still need a plan after that time period is up. Does it make sense to purchase two different health insurance plans for my husband and I since I have the higher health insurance needs at this point and have him on a different plan or is it better to purchase a couple's plan? Are Affordable Care Act plans the place to look or should we talk to private providers? Any advice would be appreciated.

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May 27, 2020 01:01PM Moderators wrote:

cowgirl, we're really sorry to hear this. You may want to listen to this podcast (or read transcript) from Joanna Morales, a cancer rights attorney, author, speaker, and CEO of Triage Cancer. In general, Triage Cancer really has some helpful resources that you may want to check out, or give them a call. https://triagecancer.org/animatedvideos

Keep us posted!

To send a Private Message to the Mods: community.breastcancer.org/mem...
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May 27, 2020 07:22PM farmerlucy wrote:

My husband and I get “group” coverage through our two member group via our LLC. He sells real estate and we have rentals. It it through Blue Cross Blue Shield and it is ridiculously expensive. Luckily he goes on Medicare this year. We both have the same health coverage. The only place we varied coverage was for dental, because I generally have more dental expense I buy the better plan.

Dx at 51 after a preventive mx that wasn't. Oncotype dx 3. 3D tattoos from Vinnie! PTSD?? You are not alone! Surgery 2/21/2012 Prophylactic mastectomy; Reconstruction (left): Tissue expander placement; Reconstruction (right): Tissue expander placement Dx 2/24/2012, IDC, Right, 1cm, Stage IA, Grade 2, 0/1 nodes, ER+/PR+, HER2- (FISH) Surgery 3/11/2012 Lymph node removal: Sentinel Surgery 7/22/2012 Reconstruction (left): Silicone implant; Reconstruction (right): Silicone implant Hormonal Therapy 4/10/2013 Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone) Surgery 4/14/2015 Prophylactic ovary removal
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May 28, 2020 11:41AM gb2115 wrote:

The ACA plans....they have really high out of pocket maximums though, from what I have seen. But I guess it's better than nothing??

Dx IDC in October 2016, stage 2A, 1.2 cm ER/PR+ Her2-, Grade 2, 1/3 nodes. Mammaprint low risk luminal A, Lumpectomy + radiation + tamoxifen. Age 38 at diagnosis.
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May 28, 2020 01:50PM Trishyla wrote:

It depends on where you live and what your income level is. I live in California, which has fully embraced the Affordable Care Act.

I had reason to be extremely grateful for that in 2016. Just 6 weeks after being diagnosed with breast cancer the Film Production company that my husband and I both worked for closed it's doors with absolutely no notice. I was sitting in a chair getting chemo when the head of Human Resources called to say we had one week to find new insurance.

I made a couple of phone calls and was able to get a policy through Covered California that turned out to be the best insurance I've ever had. Because we were both unemployed, our premiums were low ($400.00 per month) and out of pocket was basically zero. I estimated that the ACA saved me over $90,000 in copays and premiums over the two years we had it.

If you live in a Republican state your options are probably a lot more limited. That being said, it' should be more affordable than COBRA, which is prohibitively expensive.

You may want to call your state's insurance commissioner or ACA exchange to see if they have an option that's right for you.

Good luck. I'm sorry you have to deal with this on top of everything else.

Trish

Dx 8/30/2016, IDC, Left, 1cm, Stage IIA, Grade 2, 1/2 nodes, ER+/PR+, HER2- Dx 8/30/2016, IDC, Right, 1cm, Stage IA, Grade 3, 0/1 nodes, ER-/PR-, HER2- Dx 9/6/2016, IDC, Left, 1cm, Stage IIA, Grade 2, 1/2 nodes, ER+/PR+, HER2- Chemotherapy 9/28/2016 AC + T (Taxol) Surgery 4/4/2017 Lymph node removal: Sentinel; Mastectomy: Left, Right; Reconstruction (left): DIEP flap; Reconstruction (right): DIEP flap Chemotherapy 8/4/2017 Xeloda (capecitabine)
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Jun 1, 2020 01:32PM cowgal wrote:

Thank you everyone for your responses. :)

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