Starbucks Insurance?

[givemewine]

Quick questions! Currently I get my prescription for Stribild under MediCal, and I just recently got hired at Starbucks and they give part-time partners access to their health insurance plan.
My questions are

• When offered, can I deny or prolong the date to which I enroll myself?
• Will I still be eligible to receiver coverage under MediCal once I become eligible for the Starbucks insurance?
• Anybody that works at Starbucks, how do you find the best plan to get coverage under and what are your monthly costs?

I've been POZ since last August, so it'll be my one anniversary next month, and have been finally undetectable since December after having my viral load stuck at 40 for the previous months. Switched to Stribild from Prezista, Truvada and Norvir. No missed doses, yet, and I've got my calendars set to let me know when I'll be taking the last pill of my current prescription so I can give my current doctor a heads up that I'll be needing a refill by that date.
I'm thankful that I'm currently covered with assistance but for some reason I've got a feeling that I'll be losing this assistance since I've had it 'so easy' since diagnosis. I'm just expecting something bad to happen; it's just me and my pessimistic nature.
I would like to stay with Starbucks for a good while, hence my curiosity to it but apprehension to losing my assistance to a plan I know nothing about. Currently I am getting 30-37 hours a week, but it's Starbucks- so I'm sure I'll be getting less hours in the future since that's the nature of 'fast food' part-time employees.

Any help would be greatly appreciated. I'm slowly learning about this whole process. Prior to diagnosis I've never had a doctor visit other than childhood vacciness, but was just never under a health insurance plan. I'd get sick for maybe once a year so I figured I didn't need one. I only got health insurance after Obamacare and the yearly tax fine for being uninsured. I got fucking lucky that I got my insurance card literally the week before diagnosis and was able to start meds about less than a week. So now having gone through doctor visits at the clinic and then having to make an appointment to my insurance covered doctor and then having to switch to an HIV doctor, I'm slowly trying to learn about this whole aspect of proper care and I really don't have a clue to what I'm supposed to look for as far as coverage for HIV+ people goes and what type of plan suits me best and how expensive it's going to be so I can calibrate my spending and pay off credit cards to reduce me to one or two to limit my cash flow and help me have more backup money in case anything happens.

[AusShep]

Insurance typically starts your first day of work, or the first day of the following month.  You can't delay this, and if you decline you won't be able to reenroll until the yearly open enrollment period.  You also lose the ability to be covered by the ACA once you're eligible for a qualified employer plan, which would likely kick you out of MediCal too.

You really need to look at the out of pocket costs for all of the plans.  Determine if there is a Rx or lab-work deductible, and what your monthly copay for meds will be and that your Dr is in-network.

I've usually found the higher monthly cost plans work best for me.  They tend to have lower copays, and deductibles/out of pocket max amounts. 

I've seen a post from one person on here though, who worked out that the cheapest plan, with a 6k deductible was best for his family.  He'd hit the out of pocket max in 2-3 months, then everything was covered at 100% with no copays for himself, his partner, and daughter and he'd pay more than that in extra costs on another plan. So you really have to work out coverages and costs for each plan.  Hopefully there will only be 3 or 4 options to consider.