Offered work insurance, currently on MediCal

I currently have Partnership Healthplan of CA through Medi-Cal based on income.

I see 2 providers through the county BH office, my PCP, and a handful of specialists (PT, sleep medicine, orthopedic surgery, nephrology, gastro, etc.) I also am in the process of meeting compliance for a CPAP machine, rent to own basically, which is $2k OOP without insurance and way out of my price range. All of this is covered through my insurance and I was just qualified for another year on it.

My job is merging/getting bought out by another clinic and when employees switch over Nov 1 they can be put on their health insurance. It is a Blue Shield plan with a high deductible but the company also provides a $3500 HRA card to cover all but $900 of the deductible. There is no monthly premium. I worry this will not be accepted by my providers and I will have to find new ones and lose access to my CPAP machine. I just recently had to switch everyone in May already when they put me on Medi-Cal without notice.

Can I deny the plan and sign up using loss of Medi-Cal as a QLE in a year if they drop me to get on work insurance? Would Medi-Cal get mad if I denied a health plan offered? I live paycheck to paycheck and have a lot of health needs. The HRA card would help but meeting the other $900 of my deductible would put me in a bind and I definitely have more than $4400 of medical needs in a year (6 prescriptions a month, 2-3 doctor visits a week, etc.) Should I take the work ins and try to keep Medi-Cal as a secondary and just hope my providers take the Blue Shield? I know the county providers (psych and therapy) do not take it but I'm not sure of the rest.

Thank you for any insight.

submitted by /u/krissykross
[comments]