New to buying insurance..
Hi all! I (f 25) used to be on my mom’s insurance, for context I live in Maryland and had the state insurance under her. She passed away 3 yrs ago and starting this year, they made it to where you have to renew your insurance yourself, instead of it happening automatically. I make about 500-600 a week.
The 30th of last month, I got a call from my therapy place that my insurance expired and I need to update it. So I called my insurance card and talked to a person online and since my mom is deceased, I had to reapply. So I did and I am approved for Medicaid which is cool and all, but I have no idea what I’m doing in terms of buying insurance. I have quite a few options and some are $0 deductible. My main question I suppose would be, where do I start? I do telehealth twice a week for my therapy and my psychiatrist. I’m running out of medications and I’m starting to freak out because I just got used to being at my clinic and I work pay check to pay check so I’m limited on how much I can pay a month for insurance but I’m willing to look at whatever. Aetna (under CVS) and United Healthcare were two of the top options. I also have tax credit and state premium assistance totaling $228 that I can use. I apologize for the long question, I just need help going in the right direction. I have no idea what a copay or coinsurance is either and is it worth it to have a $0 deductible? Please help!! TIA!
Tldr: applied for insurance, don’t know what I should choose and what’s worth it for my needs (therapy, mental health).
submitted by /u/Cuthona
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