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I apologize if this is the wrong sub but I need some input. Iām a 30 year old female in the USA.
Long story short, I havenāt had healthcare for the past 5 years. I was married and my ex husband was from Greece. I used to get my dental and blood work done there since it was so affordable. We divorced this year though.
Iām looking at plans on healthcare.gov and Iām wondering if itās actually worth it. Iām a self employed free lance musician, so no insurance through job sort of situation.
I consider myself pretty healthy. I eat really well, work out multiple times a week, no pains anywhere, no glasses etc. The only medication I have is dupixent, which is a self injecting medication for my eczema which I started back in spring. Also in spring, I started therapy at ~$100 a session but stopped after about 6 weeks because it felt pretty redundant (not to say going to therapy is bad or anything- Iāve worked on a lot of my own personal issues myself) and paid ~$300 out of pocket for seeing the dermatologist. I honestly would love to get my bloodwork done again and to see a dentist just for a check up.
A plan Iām looking at on healthcare.gov has a $400 a month premium with a $6000 deductible and most of them are like that. Iām weirded out as well because they donāt include dental and I would probably see a doctor like once a year.
Iām asking myself- wouldnāt it be cheaper to just pay out of pocket per visit instead of paying $400 a month? I completely understand that life is unpredictable but Iām genuinely asking myself if paying ~$400 a month is worth it
Interesting- Iāll look into a healthcare navigator
I ended up getting coverage because I read that there was a financial cap on the medication Iāve been using (which they didnāt inform me before I began it) and would probably hit the cap before the year is over
Interesting. Iāll look into that. Thanks!
When it asked for how much I made, I put down a general average including general expenses taken out but even then I couldāve messed up on the math. In general, providing financial info is a nightmare. Iāve heard of some musicians getting a ānormalā job part time to have something steady on paper
I donāt think I qualifyā¦ Iām not pregnant, have no children, and no disabilities/blindness. Plus I think the income limit is about $15000 a year which I definitely know I make more annually
Not sure, but Iām frankly not too worried. I didnāt know I was accepted until I got the call asking for my address for the first shipment (they didnāt even tell me I was accepted until by mail maybe a week or two after)
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- 10 months ago
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I applied for the no cost myway method and was approved for it. I was hella weirded out because they didnāt ask for my social security number nor annual income