Hi, it's Maggie.
If you don't want to read this whole post, I need to know if anyone is able to give me advice about where I can look for healthcare coverage to start in July of 2015? I have to have health insurance, and I'm very worried about cost and quality of coverage.
Thank you so much for your help and feedback.
I feel like a fool because I found out on Thursday, May 28th, that I was only going to be covered for health insurance until the end of the month, which is today, May 31st. It only hit me today how much trouble I am in.
I had thought that my health insurance was covered by my Long-Term Disability Insurance that I have through my employer (the University). I am so lucky to have it. I receive $2,300 a month after taxes as long as my neurologist finds me too disabled to work--which I am, at least for now, because of my horrible back pain.
My divorce was finalized and I'm still awaiting the custody decision.
I was talking to my therapist/legal advocate on Th. about my chronic pain and my appointment at the spine clinic on June 4, and she warned me to doublecheck on my health insurance because she had seen many women end up without health coverage post divorce. And she was right, as she usually is!
So I called my former employer and I was told that I'd been covered under my ex-husband's policy, and that he'd come in and dropped me on May 13th, and they'd given him the COBRA information, which of course he never shared with me.
(We co-parent by email because he is so verbally abusive to me, and with email there is a record).
I frantically called the state COBRA representative. To be covered for June, and to make it to my appointment with the spine specialist, I have to overnight mail her the COBRA paperwork on Monday along with a check for $857.77.
I need to do this so that I can get to my spine appointment. Last November, I had to break into my retirement (again, I am so lucky to have had retirement to break into) to pay what became $15,000 in legal fees and to pay for my move across the country.
I've budgeted what money is left to buy a used car--(I gave my ex both cars) and to have emergency savings, especially if I need to pay more money for my attorney (I never know what my ex will do, and I have learned the hard way that with him I need to have legal representation).
But I just looked into my budget to see if I could afford to keep paying for COBRA, and I can't. This can only be an emergency stop-gap for June.
So I want to ask what I asked above, which is if anyone can advise me about where to look for health insurance starting July 2015? I am worried about cost and quality of coverage.
I am anticipating that I will need to move to a cheaper apartment so that I can afford health insurance, but my lease will not be up until mid-August. I hate to move because my daughter thinks of this apartment as her home, but I have to scale back.
Thank you again, so much, for your help and feedback.
Maggie
If you don't want to read this whole post, I need to know if anyone is able to give me advice about where I can look for healthcare coverage to start in July of 2015? I have to have health insurance, and I'm very worried about cost and quality of coverage.
Thank you so much for your help and feedback.
I feel like a fool because I found out on Thursday, May 28th, that I was only going to be covered for health insurance until the end of the month, which is today, May 31st. It only hit me today how much trouble I am in.
I had thought that my health insurance was covered by my Long-Term Disability Insurance that I have through my employer (the University). I am so lucky to have it. I receive $2,300 a month after taxes as long as my neurologist finds me too disabled to work--which I am, at least for now, because of my horrible back pain.
My divorce was finalized and I'm still awaiting the custody decision.
I was talking to my therapist/legal advocate on Th. about my chronic pain and my appointment at the spine clinic on June 4, and she warned me to doublecheck on my health insurance because she had seen many women end up without health coverage post divorce. And she was right, as she usually is!
So I called my former employer and I was told that I'd been covered under my ex-husband's policy, and that he'd come in and dropped me on May 13th, and they'd given him the COBRA information, which of course he never shared with me.
(We co-parent by email because he is so verbally abusive to me, and with email there is a record).
I frantically called the state COBRA representative. To be covered for June, and to make it to my appointment with the spine specialist, I have to overnight mail her the COBRA paperwork on Monday along with a check for $857.77.
I need to do this so that I can get to my spine appointment. Last November, I had to break into my retirement (again, I am so lucky to have had retirement to break into) to pay what became $15,000 in legal fees and to pay for my move across the country.
I've budgeted what money is left to buy a used car--(I gave my ex both cars) and to have emergency savings, especially if I need to pay more money for my attorney (I never know what my ex will do, and I have learned the hard way that with him I need to have legal representation).
But I just looked into my budget to see if I could afford to keep paying for COBRA, and I can't. This can only be an emergency stop-gap for June.
So I want to ask what I asked above, which is if anyone can advise me about where to look for health insurance starting July 2015? I am worried about cost and quality of coverage.
I am anticipating that I will need to move to a cheaper apartment so that I can afford health insurance, but my lease will not be up until mid-August. I hate to move because my daughter thinks of this apartment as her home, but I have to scale back.
Thank you again, so much, for your help and feedback.
Maggie
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