I have health insurance through my employer, and just signed up for coverage for next year as well. My deductible this year is $1000 (I have been to the doctor a grand total of twice this year, so nowhere near it), and JUST signed up for a plan next year with a $2200 deductible.
I have just been diagnosed with HIV, and medical costs are going to bury me. My prescription plan only pays 80% of the cost of drugs, leaving most treatment regimens between $300 and $400, and at a $2200 deductible, I’m going to be paying a LOT out of pocket for healthcare costs.
Having said all of that, am I precluded from purchasing another insurance plan from something like ehealthinsurance.com? I haven’t priced it out yet, but I imagine I could get away with paying a lot per month in order to have it balance out with all the labwork I’ll need done.
So the actual GQ(s): am I wasting my time? Is anyone going to accept a member with HIV? I found one plan that specifically stated that there was a waiting period for pre-existing conditions - is that universal? And does anyone in the same boat have any specific recommendations for plans/websites I should check out?
(There is payment assistance available through the Arkansas AIDS Foundation, but not a whole lot for drugs. I’m in the process of getting on the waiting list though.)