You Guys Are So Smart! Can I Get Help With An Insurance Gap, Please?

[usedtobedemgurl]

If you have seen any of my writings, you probably know I am going through a concussion (actually, at this point, it is post-concussion syndrome). I also have severe PTSD and depression - all from the accident. I have double vision (why I take a long time reacting to everyone), headaches (that sometimes last over 24 hours), constant, unrelenting pain (seeing my second pain specialist today) and a great deal of memory loss. There is more, but that gives you some idea.

My insurance has been my lifeline. This year I met the deductible halfway through the year. I tried for ACA in mid-December. They said since I do not work, and I am not making money, I do not qualify. They referred me to medicaid. Medicaid just called. It can take 90 days to approve my application. I see several therapists/professionals on a regular basis. Medicaid could do nothing for me. They could not give it to me until they come up with a yes or no. I called ACA again. They said since I do not work, I cannot qualify for the government subsidy. They offered me my plan, which I pay $42 for right now, for $800 and some dollars a month.

Does anyone know a solution to this? I am in NC. Richard Burr's line says because he is on the way out, they have no staff in the office. I called Tillis and left a message, but do not have much hope. You folks are the smartest people I know. Is there a solution to this? I feel there must be some way to get some sort of gap insurance, for someone who does not work or have income. Please, help me if you can.

[jmbar2]

1. Your situation is tragic

I am so sorry you are going through this.

One thought.

Do you have friends or family in Virginia or some other state that has expanded Medicaid on a state level who would let you establish residency there?

I left Texas for that reason, among many others, and have never regretted it. Although I wasn't ill when I relocated, I needed care shortly afterwards when I was also unemployed. Medicaid handled it. I've never been so grateful.

Good luck and keep us posted. My heart goes out to you.

[usedtobedemgurl]

2. I Cannot Think Of Any.....

and I do not think we can move. I have enough needs that my boyfriend retired early, to look after me. I think it would be too much to handle........besides that, we would have to redecorate our house, so there is no evidence of a dungeon here. We would either have to move all of our equipment (A HUGE BDSM bed, two spanking benches, two crosses, several massage tables and more.) It would be a big undertaking.

[Ms. Toad]

3. Ask Medicaid about retroactivity.

I believe it is retroactive at least to the date of your application.

[GoodRaisin]

4. I live in NC. Medicaid expansion wasn't accepted by NC

and there is a minimum income for qualifying for ACA subsidies. I used to draw ACA subsidies before going on Medicare. It seems that somewhere around $12K annual income per was the minimum income requirement at the time.

Pretty certain from what you described you aren’t eligible for either Medicaid or ACA subsidies.

I’m not clear about your situation. Are you losing current coverage? (i.e. what are you paying $42 for) If so, why? If it’s job related you might qualify for COBRA. Not the greatest, but probably better than $800/month. I briefly had COBRA for about $500/month.

Sorry I can’t be more help.