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Author Topic: Help with Health Insurance Illinois  (Read 1549 times)

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Offline silguy618

  • Member
  • Posts: 24
Help with Health Insurance Illinois
« on: April 30, 2018, 12:55:48 pm »
Looks like Im going to be in need of health insurance in Illinois. Currently have blue cross blue shield of illinois  and with my genvoya its only a 30.00 co-pay   but now my wife and i are currently separated im under her policy ill be looking for something i can afford.  any suggestions?

Offline kentfrat1783

  • Member
  • Posts: 254
Re: Help with Health Insurance Illinois
« Reply #1 on: April 30, 2018, 05:23:07 pm »
Hi,

I'm sorry that you are going through this.  Hopefully you are doing OK. 

Are you separated or divorced?  I could see you losing coverage if you are divorced but is she legally allowed to remove you from the plan if you are only separated?  Hopefully you have an attorney that can answer that question.  I'm just thinking that isn't right but if you are removed from her insurance then you could get the COBRA policy (yes it is astronomical). 

Have you looked at the state insurance plans or contacted any of the local insurance companies to look at costs?  Then again even talking with your doctor might be a good option.  I'm sure they know of some programs. 

Hope you can figure something out and wishing you the best.

Kenneth
12/05/2108 - CD4 174 (18%) VL - <20
08/28/2018 - CD4 166 (15%) VL - <20
05/08/2018 - CD4 106 (11%) VL - <20
03/05/2018 - CD4   90 (10%) VL - <20
12/11/2017 - CD4   60 (  8%) VL - The hospital forgot to run
09/07/2017 - CD4   42 (  6%) VL  54        (1.70)
05/11/2017 - CD4     2 (  1%) VL 169,969 (5.23)
OI's: PCP
Dx`d May 11, 2017
Location: USA

Offline silguy618

  • Member
  • Posts: 24
Re: Help with Health Insurance Illinois
« Reply #2 on: May 01, 2018, 02:20:54 pm »
currently separated but the divorce is coming. she understand the incident and the transmission but she wants a child in worse way but refuses to take the risk of infection even though im undetectable .  i respect it and will move forward.   
i make fairly good income upper 70's but buried in student loans any suggestions

Offline Expat1

  • Member
  • Posts: 189
Re: Help with Health Insurance Illinois
« Reply #3 on: May 03, 2018, 05:50:24 pm »
Check the ADAP for your state, link below

AIDS Drug Assistance Program (ADAP) - IDPH
www.idph.state.il.us/health/aids/adap.htm

ADAP will assist IPXP clients by paying the $1,600 prescription out-of-pocket cost for all ADAP approved formulary drugs. ADAP Applicants who qualify for IPXP are eligible to apply for the Continuation of Health Insurance Coverage (CHIC) Program through the Illinois Department of Public Health. CHIC will assist clients

It might pay your COBRA payments.  Check here first.

Offline bocker3

  • Member
  • Posts: 4,216
  • You gotta enjoy life......
Re: Help with Health Insurance Illinois
« Reply #4 on: May 04, 2018, 06:52:56 am »
Do you not have health insurance available from your employer?  That would have to be the cheapest of all insurance options, given your income.
My guess would be that your wife wouldn't be able to drop you from her coverage until open enrollment as I don't believe (but could be wrong) that separation is a qualifying event for changing in the middle of a plan year.  It would probably only be when the divorce would be final (if it gets to that point).  Of course, it would also mean you can't opt in to your employers until open enrollment.

Good luck.

Mike
Atripla - Started 12/05
Reyataz/Norvir - Added 6/06
Labs - Pre-Meds
Sep05 T=350/25% VL98,559
Nov05 288/18%  47,564
Current Labs
May2015 969/28% <20

Offline silguy618

  • Member
  • Posts: 24
Re: Help with Health Insurance Illinois
« Reply #5 on: May 07, 2018, 03:33:04 pm »
My employer doesn't offer health insurance. Small company only 7 left of us here.

Offline LiveWithIt

  • Member
  • Posts: 531
Re: Help with Health Insurance Illinois
« Reply #6 on: July 11, 2018, 10:30:45 am »
Look into applying for the Ryan White program it for uninsured or under insured people.  I don't know if there are income limits or if you can spend down to qualify but look into it and if you are told no ask for documentation or find info on line as to what can qualify you.
Pray God you can cope
I know you have a little life in you yet.
I know you have a lot of strength left.

 


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