I'm going to be 25 years old in June, so that means only one more year on my mother's health plan. Her plan is great because she gets it through the hospital she works at, but it only covers that specific health network, and I live a state over with no car. Regardless of the inconvenience, there's no way I'd be able to survive right now without it.
I have no financial support at all from my parents except being on my mother's insurance. I am totally independent in this process.
I have a chronic autoimmune disease that makes my life very difficult. I work part/full time and I'm in college part time. I'm not even sure how I do it to be honest, some days I just can't. My medication that I take for this disease is an injection that I administer to myself every eight weeks. Every dose costs about $21,000 without insurance (I currently pay 60). I also take an anti-nausea med for chronic kidney stones and am semi-regularly prescribed a high level pain killer to take as needed.
On top of that I have multiple chronic illnesses relating to my mental health, and I'm the process of potentially being diagnosed with seizures or some other neurological problem. I take 5 medications for my mental health right now and I honestly don't know if I would survive without them.
I see a therapist every week and a psychiatrist every 4 weeks.
Because of all of these medical issues, I see different specialists fairly frequently, and get testing and procedures done often (CT scans, ultrasounds, x-rays, bloodwork, colonoscopies, shockwave lithotripsy, etc). I also sometime need surgeries, which result in hospital stays.
Because I'm immunocompromised I'm also more likely to get sick from common illnesses, and they tend to effect me worse than the average person. My work is very understanding and lets me take the time off as I need it for my health. College makes it much more difficult and makes my health worse, but I'm nearly done with my bachelor's.
I know changing health insurance is not something that happens immediately, so I need to make sure I'm set by June of 2020. This is why I've begun researching now. As much as the research is helping, I just don't know enough about the process or the important factors to consider.
If you folks could give me any advice at all it would be so very much appreciated. I know it's over a year away, but I'm already very concerned. I just want to make sure I'm making the most educated and affordable decision.
Thank you
TLDR: I am going to be really sick for the rest of my life and my medication, need to see doctors, and numerous procedures cost a fortune without health insurance. Any advice on plans would be great.
EDIT: I make too much money to apply for medicaid, about 45k a year
EDIT2: I'm not sure why I'm being downvoted, but I really do appreciate the help.
Submitted April 24, 2019 at 04:12PM by taymx41 http://bit.ly/2UWfw5i
