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Buying insurance - I am SO confused.

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In December my former employer's COBRA payment is going up to $700 - I need to buy my own plan, like, now because I'm in a partial day hospitalization program and outpatient program after that that's extending into December.

I can't find a plan anywhere that covers mental and behaviorial health on any of the websites - I know starting in January the Affordable Health Care things start, but what do I do for December? Does anyone have a plan they like?

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Can you pay the $700 for just the one month? I really don't know a lot about the insurance plans other than the one I get through work. I'd imagine that your choices starting in 2014 will be better. Have you tried to look at the web sites for your state? 

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I agree with sylan. It will be almost impossible to find someone who will insure anyone with a severe mental illness.

 

 

COBRA is expensive. I pay $668 for just COBRA medical for one person.

 

I cant wait until January.

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The individual market typically does not cover mental illness, nor does it cover pregnancy, and it may not even cover prescriptions--and the few plans that do cover those services are extremely expensive. You have two options: contacting the PHP to find out if they will work with you on a sliding scale for the month that you are without insurance, or sucking it up and paying for COBRA. Compare the cost of the program + any prescriptions you'll need to have filled vs. the cost of the COBRA. I'm thinking COBRA will probably win. 

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I think you need to find a way to pay the COBRA for one month.  Borrow it from a parent or relative if you have to.

Andy start looking now at what is available in your state for the new ACA policies.  Look for a licensed, independent agent

who specializes in life and health insurance.

 

You will probably qualify for a subsidy which will help pay your premium.  If your state does not have an exchange

then you can use the federal exchange.  At any rate get professional advice.  It costs you nothing to work with a licensed agent.

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My state, California, has their own exchange. It has had very little downtime. It took me a while to pick the policy that works for me. Because my income is so low my monthly coverage is only $85/mo. But, it is important to realize that the deductable is $6,000 for hospitalization. Definately dont want to get hospitalized this year!  I picked the Silver plan.

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The individual market typically does not cover mental illness, nor does it cover pregnancy, and it may not even cover prescriptions--and the few plans that do cover those services are extremely expensive. You have two options: contacting the PHP to find out if they will work with you on a sliding scale for the month that you are without insurance, or sucking it up and paying for COBRA. Compare the cost of the program + any prescriptions you'll need to have filled vs. the cost of the COBRA. I'm thinking COBRA will probably win. 

 

Mental illness services are required to have parity under the ACA, so what larkspur said is true for December but may not be true for January.  Seriously, you need to talk to an insurance agent, and badly, imo.

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