Quantcast

Subscribe to:
POZ magazine
E-newsletters
Join POZ: Facebook MySpace Twitter Pinterest
Tumblr Google+ Flickr MySpace
POZ Personals
Sign In / Join
Username:
Password:
Welcome, Guest. Please login or register.
July 29, 2014, 07:14:00 AM

Login with username, password and session length


Members
  • Total Members: 23066
  • Latest: MikeDH
Stats
  • Total Posts: 632196
  • Total Topics: 47871
  • Online Today: 227
  • Online Ever: 585
  • (January 07, 2014, 02:31:47 PM)
Users Online
Users: 6
Guests: 155
Total: 161

Welcome


Welcome to the POZ/AIDSmeds Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ/AIDSmeds community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: Signed Up For the Affordable Health Care!!  (Read 834 times)

0 Members and 1 Guest are viewing this topic.

Offline RobbyR

  • Member
  • Posts: 314
Signed Up For the Affordable Health Care!!
« on: December 10, 2013, 03:45:16 PM »
2013 has not been my year, but perhaps it's ending on a somewhat hopeful note. This year has been full of ups & downs, mostly downs, a recent Bipolar diagnosis, & shortly after, was informed that my insurance company dropped me totally. I also lost my job due to a mental breakdown. After paying their ass on time for the last 5 years, bam, they drop me out of nowhere. For months, my monthly premiums had been steadily rising, from around 220 a month to now 280. Which is more than I can afford. No explanation for this of course, I call them & all I get is some double-speaking stooge from India who can't even speak clear English.

Doesn't ANYONE bother to hire English speakers anymore, especially for something so important as insurance? I have a hearing impairment anyway, and that makes it worse when I get someone I can barely understand.

But anyway, last month they dropped me. They claimed it was because I had not payed my full premium for the last two months, which was bullshit. I paid it in full for the last month before I was dropped, & I certainly never missed a payment.

I wonder if they dropped me due to my Bipolar diagnosis. Not sure. I don't think it was HIV-related, since my insurance plan far pre-dated my HIV diagnosis.

However, to make a long story short, after telling the social worker at my clinic about this, I am now enrolled in my state's affordable health care exchange program, yay!

Losing my private insurance wouldn't have impacted my HIV meds, because I got those through my state's ADAP program via my clinic. But still, everyone needs insurance in this day and age. At first I admit I was skeptical about Affordable Care Act, but after thinking it over, and especially seeing the prices, it was a no-brainer. I will be signing up for the Medicaid program first, because I am currently unemployed but in future, when I get another job, I may switch to a different plan under the program. the Republicans say often that there are no options for people under the new health care law, but this is not true! Most importantly, it keeps people from being discriminated against due to pre-conditions. This along with the low affordability was what got me to sign up for it. I just flat out don't trust private insurance companies anymore I think they are a big scam.

It just made sense to sign up. I mean, why would I pay close to 300 dollars a month to an insurance company when I can use that money for car payments, groceries, bills, & personal expenses. Now, on the Medicaid plan, through the Affordable Care Act, I will be able to have some peace of mind. Due to my mental problems & breakdowns this year, I have been unemployed for awhile, until I can get stable & my life on track again. Now that things are getting better for me a bit personally and financially, it just made sense for me to sign up for the exchange.

Why anyone would want to delve out hundreds of dollars a month to crooked insurance companies is beyond me, my only gripe is that I didn't ditch them sooner! It sure will make my life a lot easier. For the record, when I went to sign up, with the help of my social worker, I had no issue AT ALL on the website. It was easy as pie. Most of the bullshit about the site not working is nothing but Republican crap, because they only want rich people to have health care, and they certainly don't care about people with pre-existing conditions like myself.

So I urge anyone who hasn't yet explored the options to look into and sign up for the Affordable Care Act. It has taken a load off my mind knowing I won't have to worry about losing my insurance anymore due to my health & my status as an HIV positive, Bipolar gay male. This has been a hard year, but things are finally looking a bit better for me! Now to find a job, & I will really feel a lot better about things!  8)
« Last Edit: December 10, 2013, 03:54:44 PM by RobbyR »
Started Atripla August, 2010.

Offline Dan0

  • Member
  • Posts: 362
Re: Signed Up For the Affordable Health Care!!
« Reply #1 on: December 10, 2013, 09:01:23 PM »
Too bad the forum doest have a 'Like' button. Congrats..it appears things may be turning around for you!!
"Drink your milk and take your meds!"

"Honey, you should never ask advice from a drunk drag queen who has a show to do." - JG

06/2002 DX
10/2006 Atripla UD
10/2013 Stribild Still UD

Offline mitch777

  • Member
  • Posts: 3,371
  • wish i were here
Re: Signed Up For the Affordable Health Care!!
« Reply #2 on: December 10, 2013, 09:28:31 PM »
*like*

Great news Robby! :)
31 years hiv+ (oct. 2013) with a curtsy.

Offline RobbyR

  • Member
  • Posts: 314
Re: Signed Up For the Affordable Health Care!!
« Reply #3 on: December 10, 2013, 09:50:22 PM »
Thanks guys, I have been in a dark place this year. I'm feeling hopeful now for the first time in ages, and more stable! More mentally stable than I have in ages, probably thanks to my doctors help. Knowing that I will have the affordable health care I have needed for so long is a big load off my mind.
Started Atripla August, 2010.

Offline leatherman

  • Member
  • Posts: 6,059
  • Google and HIV meds are Your Friends
Re: Signed Up For the Affordable Health Care!!
« Reply #4 on: December 11, 2013, 12:02:23 AM »
Doesn't ANYONE bother to hire English speakers anymore, especially for something so important as insurance? I have a hearing impairment anyway, and that makes it worse when I get someone I can barely understand.
you're not the only one my friend. Several family members and friends, all with hearing problems, all complain about trying to speak to anyone on any help line for just that reason.

I am so glad to hear that the ACA is helping you ;)
leatherman (aka mIkIE)


chart from 1992-2013; updated 2/09/13  Reyataz/Norvir/Truvada

Offline OneTampa

  • Member
  • Posts: 2,097
  • "Butterflies are free."
Re: Signed Up For the Affordable Health Care!!
« Reply #5 on: December 11, 2013, 07:37:23 AM »
Robby,

I am so glad to read that things are looking up for you.

I wish you all the best.

Sending you a "LIKE" and a HUG.

"He is my oldest child. The shy and retiring one over there with the Haitian headdress serving pescaíto frito."

 


Terms of Membership for these forums
 

© 2014 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.