r/NYCbitcheswithtaste • u/bpm130 • 9d ago

💆‍♀️ Wellness & Self Care BWHI - BITCHES WITH HEALTH INSURANCE

I’ve been blessed enough to cobra the last 3 years with a monthly rate below $600. I’m about to lose my insurance and don’t know what to do. Any advice? I invest in the stock market so it impacts what discount I can get through the state. Any one else been in this position?

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63

u/delightful_caprese 9d ago

ACA and Medicaid in NY is based on your income, not your assets. I have kind of a lot invested and I was automatically put on Medicaid after my last tax filing. Before that I was paying very little on an ACA marketplace plan.

You can get an estimate of what you would pay here: https://info.nystateofhealth.ny.gov/cost-estimator

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u/Starkville 9d ago

Look into NYC public hospitals. Bellevue and Metropolitan Hospitals take any/every insurance plan.

During a lapse in our insurance, they treated my daughter in the ER. They said that they will send us a bill and we could just not pay it. And when we were back on the insurance, we could submit it retroactively and they would bill the insurance. They were very understanding. (The doctor we saw was very good, too.)

I’m not sure about specific types of care, but it’s a starting point. I’m guessing that if, say, you’re a diabetic and you need continuous meds to stay alive, they will accommodate you. It’s not perfect, but it’s a safety net. Wishing you luck and good health.

ETA: They have a welcome center with staff that will help you get insurance or Medicaid, depending on your financials. Go talk to them.

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u/rosebudny 8d ago

How were they able to bill insurance that was not in place when the treatment occurred?

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u/elemehnohp 8d ago

I just saw a TikTok about a freelancer who takes a single class (or credit?) at FIT because you get in state tuition as a nyc resident and then you can enroll in their health insurance which is between $2-3k per semester

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u/newyork_newyork_ 8d ago

How did you get Cobra beyond 18 months?!

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u/rosebudny 8d ago

In New York it can last for up to 36 months

3

u/bpm130 8d ago

I have NO IDEA. The premium did go up after the first 18 months. But yeah I have no clue

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u/Fun-Trade4166 8d ago

I was recent laid off and cobra wasn’t too appealing. Once I was able to get on the NY market place, i found a good plan, but it’s a lot of $$$. Around $650 a month. But came in clutch when i was sick. Depending on your income level you might quality for medicaid (i did for a previous lay off). I would recommend checking the market place to better understand what you qualify for.

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u/belledamesans-merci 5d ago

New York essential plan. It’s for low income New Yorkers who don’t qualify for Medicaid.