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Real members of myHIVteam have posted questions and answers that support our community guidelines, and should not be taken as medical advice. Looking for the latest medically reviewed content by doctors and experts? Visit our resource section.

Health insurance for United States citizens.

A myHIVteam Member asked a question 💭
Edmore, MI

This is a public reminder for us United States citizens, for I have not seen it mentioned anywhere, as of October 1 it is time to look at your healthcare insurance plans on the marketplace. You only have until December to pick one out, change yours, or keep what you have. I just remembered myself that it is that time of year to check things out, for I haven't heard or saw of it being mentioned anywhere.
So update your insurance, or get insurance now.
https://www.healthcare.gov/

October 4, 2020 (edited)
 · 
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Answer Summary

Members appreciated the timely reminder about the open enrollment period for U.S. health insurance (November 1 to December 15), with many... Read more

Members appreciated the timely reminder about the open enrollment period for U.S. health insurance (November 1 to December 15), with many confirming they plan to keep their current Medicare or marketplace plans. Several members shared the frustrating reality of being locked into expensive plans due to pre-existing conditions like AIDS or COPD, noting that after the initial enrollment at age 65, switching plans requires medical underwriting that often results in denial, leaving them stuck with rising premiums they can barely afford. A recurring theme was gratitude for the community sharing practical knowledge, from catastrophic coverage options to the flexibility that Medicaid provides for changing Part D plans anytime, reminding everyone that navigating insurance requires both awareness and mutual support.

A myHIVteam Member

my apologies, just went to the site and the dates have changed. This year you have even LESS time to pick out your insurance. It is NOVEMBER 1 to DECEMBER 15 this year.

October 4, 2020
A myHIVteam Member

All of mine stays the same, and thanks for this second reminder @A myHIVteam Member. Big HUG sent to you for helping keep us on top of everything Medical.

October 28, 2020
A myHIVteam Member

You see Xavier, there is no room for you to leave us not even for a single day ! Where would we be without the kind if iNFORMATION that you give to all of us. Thanks for being you ! you are a lifesaver BRO. Take care there in MI. & catch my big hUG that I just sent you.

October 4, 2020
A myHIVteam Member

Friday I spent over three hours trying to change my Plan F medical ins to a plan G, because it's costing me well over $200/mo for my coverage. A plan G would have been a lifesaver and I'd be saving $100/mo.
Here's the problem. Now I have to answer all the medical questions in order to qualify to change plans, and i didn't qualify because I have AIDS, COPD, etc. So although I have a great plan currently, because of the above i cannot switch.
I discovered that there is only one
"Open Enrollment", the first one, when you turn 65 when they have to take you, no questions asked.
After that, forget about it. And they'll probably raise my premium again this year...I have to keep what I have. And I can't afford an Rx plan...

Some times life sucks. I hate this time of year.
☹😡🤬

Bui I love y'all. I hope this info helps someone. Hugs.

October 4, 2020
A myHIVteam Member

No wonder I did not hear anything about it.

October 4, 2020

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