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

[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.