Rant- Health Insurance

iVillage Member
Registered: 12-04-2007
Rant- Health Insurance
3
Fri, 09-25-2009 - 3:41pm

Ugh, I'm so frustrated right now. This is going to be very long...

DH is a graduate student, and for some reason while he can get reasonable priced health insurance through school, the price is ridiculous to add James or myself. like $3000 a semester.

So anyway, since I am not working anymore, and DH's salary from being a grad student is not that much I decided to apply for state health insurance for James. In our state there is Medicaid for if you're income is very low and then another program if your income is slightly higher, but still low. Anyway, I figured we would get the second one since we're not below the poverty level or anything. So when James was born I started the application process. Our income is just right to be eligible for this program, however DH gets paid a different salary different times of the year. (full time summer months, half time regular school year, and like 1/3 time in August) I called up the state to see if I could send them a years salary to apply since his summer salary is slightly higher than the monthly income limit. They told me no, they can only look at a monthly pay stub, and only for the month that you are applying.

So... We bought James health insurance out of pocket for the summer months, planning to apply for state insurance once DH's monthly salary amount went back down. This really irritates me though, because I feel like they're making it insanely easy for people to cheat the system, and also it kept us from getting insurance all summer even though technically our yearly salary is eligible.

I waited till September first and submitted everything with his August pay stub. Well yesterday I got back the approval letter and we got medicaid instead of the other state program. I guess his August paycheck was so low that we were eligible for that.

It just irritates me I guess because we aren't really poor enough for medicaid, and they refused to look at his years salary instead of his month. Also, if we had gotten approved for the other insurance he could have kept going to the same pediatrician, but since he got medicaid, the only dr.'s in out city accepting medicaid are at the medicaid clinic.

I know I shouldn't be upset, I'm really happy that we are eligible to get him health insurance and everything, it's just frustrating to me that we have to switch Dr.'s and everything just because they are incapable of looking at more than one month of income...

Wish me luck with the new pediatrician at the clinic, I really hope I like him ok, and everything goes fine, otherwise, we're going to have to look another option I guess...

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Lilypie
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iVillage Member
Registered: 10-03-2008
Sun, 09-27-2009 - 11:57pm

I'm so sorry! What an aggrivation! In CO where we are we had stuff like this happen occasionally while DH was in school. Here you can submit a change report when your income changes, actually you're supposed to, though who would know if you didn't I don't know. So when your DH's checks go back up some, see if you can submit that stub & get on the other program. Then only submit that pay rate one, since the others balance each other out anyway.


GL!!

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iVillage Member
Registered: 11-15-2005
Sat, 09-26-2009 - 10:14am
Grace, Im sorry to hear your dealing with all this. You will be in our thoughts, I hope it works out. Please keep us updated. It must be really frustrating, I hate dealing with Medical bills. It's the worst!
Take care hon.
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Lilypie
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iVillage Member
Registered: 01-17-2007
Fri, 09-25-2009 - 6:36pm

It's the worst, isn't it! I know Medicaid is not what you wanted, but it's good that you can insure James. That's the important part, right? Good luck with the new doc!

My DH is a grad student also and we've been draining his modest educational trust to pay for his student insurance for Ry and me. It cost about $8,000 last year before we even saw a doctor and it's not even good insurance!!! If he didn't have a grandmother kind enough to set up the trust for him in the first place and if we didn't have very sweet and caring family members who occasionally send us unexpected checks to cover Ry's many medical bills (most of which are only covered at 30-50% by our horrible insurance), we would be in bankruptcy right now.

Hang in there! Our DHs won't be grad students forever, right?

-Megan

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