So I have a problem with health insurance and I’ve been thinking it over so much that I don’t trust myself to see things clearly anymore. I’m hoping that in posting this, I can get some perspective from some other people.
The situation in brief is this: My fiance needs to see a doctor. Probably a number of doctors. This is going to be expensive and he’s uninsured. He works two part-time jobs and so neither of his employers will pay for insurance (but see option #4), and he makes too much to qualify for state aid. We have a number of options, but no clear best answer that I can see:
Option 1. We could just pay for everything ourselves, but we’re pretty broke. And not just regular broke. Totally broke. All his expenses would have to go on the ol’ credit card. We’re looking at at least $2000-3000 and that would really hurt us.
Option 2. We could buy some ok insurance from one of his employers (paying the entire premium ourselves). However, we did some calculations and discovered that the number of things they don’t cover plus the deductible make this only a marginally better option than #1, financially speaking. We would save some money, but still be out at least $1000 (which we don’t have).
Option 3. We could just go down to the courthouse and get married to put him on my insurance, which covers everything he needs. We’ve been together happily for years and plan to get married next year anyway. However, we’re both concerned that a “fake” marriage would take the sweetness, romance, and sense of commitment out of the actual ceremony next year. However, we also recognize that his health must be taken care of and this is the cheapest way to do it.
The other concern with #3 is that I may be changing jobs in the next 3-6 months, and if I go somewhere else and get on another plan, we may run into pre-existing conditions clauses that preclude him from treatment altogether and stick us with the full bill anyway. We’re thinking maybe we should just wait and see what happens on the job front, but I don’t like the idea that his health has to wait on a job that may or may not be in our future.
Option 4 (maybe). I have a small, unprofitable sole proprietorship that he works for and that I could maybe run his health care through, but he works as an independent contractor and not an employee, so I’m not even sure if that’s an option worth pursuing. Plus I can’t see how it would be any more affordable than #2.
So, Dopers: if it were you, what would you do? How would you get this man to the doctor?