HELP: Special Enrollment Period Insurance Start Date Not Soon Enough

Hello there,

I’m reaching out here for any advice you may have from personal experience or knowledge of how the Marketplace works.

This past Friday, I unexpectedly lost my state health insurance. I immediately signed up for an insurance plan through the Marketplace, but the start date is listed as 11/1/24.

I have a prescription I need to fill ASAP next week for urgent mental health needs. This Rx costs $500 out of pocket, with a manufacturer coupon provided. There are no generics available.

I called the Marketplace, and my concern was “escalated to a case worker”—but I was told the review period could take up to 30 days. In other words, through no fault of my own, I am left uninsured even while I immediately signed up during my SEP.

I cannot believe our country works like this. I also signed up for a plan on the insurance website independently (haven’t paid the premiums yet), in order to explore if I have better recourse rectifying the problem through them. That route is TBD, as I need to call back Monday morning (the department was closed by the time I reached this point in the saga).

I’ve also been told about free community health centers, and left voicemails for a bunch of them near me. One called me back today articulating concern, as these centers tend to be booked up for weeks and an initial appointment with a doctor is needed for Rx refills.

I will continue pursuing any and all routes available, but wanted to ask:

Does anyone have any advice or ideas on how to obtain a resolution here? Is there any way I can escalate my case any further through the Marketplace? Are there SOS Rx programs (eligible in MI) out there?

I sincerely appreciate any help you may be able to provide. Thank you!

submitted by /u/__feelthebeat__
[comments]