Hi guys. Some of you might not know. I'm English living in Texas USA. I'm having a very confusing insurance problem, will someone please explain?
We've always been covered by my husbands company insurance plans. This year he's a contractor (all year) & neither the company that employs him or the company he's placed at have offered insurance coverage. We needed new insurance so we went to 'The Marketplace' & went for United Health Care. We had that for years when he worked for a big telecommunications company. It's expensive ($2,000 a month) but low deductible, medication prices etc.
We checked that my docs take it & thought all was fine. I went to my docs appointment & was told that because it's through 'The Marketplace' they don't take it! He's part of a big physicians group in Texas so this isn't a good sign. I paid out of pocket (he only charged me $70 so I can handle that for a year) THEN CVS told me they don't take it because of the marketplace stuff!! (Walgreens do)
I'm very confused & very worried now. I've got 2 young kids. What about emergency care? I know I can phone every hospital & emergency place around but....ugh!! If I say "Do you take United Health Care" they'll all say 'of course! They're huge here!' but when I tell them it's 'Marketplace'....?????
This has just happened so I don't know about my other specialists.
How can I get different insurance without going to the marketplace? Can I just call United & ask to be a normal customer?? We were given the impression that it would cost us a fortune if we didn't go through the marketplace. Is $2,000 (in rounding down cant remember exact amount) a month for a family cheap? It seems really expensive to me but in England it's free so I just don't have experience of insurance companies.
I don't know if it's just coincidence (could be because April brought changes) but this is the first time I've EVER had trouble filling my meds or getting in to see docs. Have we made a HUGE mistake in how we got our insurance?
PLEASE will someone knowledgable talk me through this. I'm going through one of those "End of my tether" times & every little thing feels monumental!! Ugh!!
Osteoarthritis & DDD.