Switching health insurance when getting a job – FL
So currently I'm on government insurance which pretty much covers everything. At least it covers everything I need it for. I've got a lifelong disease called Ulcerative Colitis that requires infusions every 8 weeks. Each infusion is around $6,000-$7,000.
I've found it quite difficult to navigate the benefits and responsibilities of having health insurance and find it quite confusing on employer websites.
My disease has made it quite difficult to get outside and it causes excessive bathroom usage and/or just severe urgency. I plan on getting a job at a retail store (I'm 22 and haven't had a job yet, only volunteered during highschool.) and I'm worried about when I have to switch. Now a lot of employer and regular plans I look at mention deductibles and out of pocket costs each year.
My MAIN question is, are these large numbers (usually in the thousands) how much I'd have to pay for my healthcare & outrageously expensive infusions each year? Would I seriously have to pay like $3,000 out of pocket up front for the first infusion each year?
I'm seriously lost here and it makes it really hard for me to want to get a proper full time job because I'm worried I'll end up making too much to qualify for the current health insurance I've got. The numbers just seem so low for not qualifying for government healthcare. Either you make poverty wages or you make every so slightly more than poverty and you don't qualify.
I'm sorry if this has been asked multiple times already. I just really want to get a full time job, even if it's working at a place like Walmart to save up (no real expenses so I'd be able to save quite quickly) money for emergency expenses.
It just confuses me that I'd possibly have to save a few hundred a month EXTRA on top of what I'd be paying for proper health insurance just to be able to pay a deductible out of pocket on my infusions before it's covered.
If it weren't for UC & related expenses, I wouldn't have to worry much about all of this because I've got minimal other health issues that require constant attention and would otherwise be able to just get away with regular checkups and preventative care.
submitted by /u/AxelsOG
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