I am aware there is COBRA but I understand that is ONLY if his
employer remains viable. The biggest issue is that he had a kidney
transplant in 1990.
Just a few thoughts and suggestions. I hope this is helpful. My day
job is in health care and I have been in your shoes before. We could
not find insurance for our healthy 2 year old son because he had
"tubes in his ears". COBRA at the end of our very long, arduous
search, was our short-term option until I switched my job to one
COBRA, in CA, is legislated. Your ability too be covered under COBRA
should not be effected by your husband’s employer’s status (unless
if your husband’s employer is your health care provider, that is).
COBRA may be your best option in the first months until you find
something that will work for you. The cost of COBRA is determined by
your current coverage. Your coverage is unchangeable until “open
enrollment”. Most of the enrollments have passed by now, if yours is
open at this time, you might look at switching to a coverage that
that is more affordable for you, please be mindful of your and your
husbands needs (special medications, lab work, doctors etc).
With your husband’s pre-existing condition, it will be nigh on
impossible to find him coverage except via the “group plan”. Are you
associated with any groups? Can you join any groups that offer
access to health care? If you can find access for your husband under
a group plan, this will be your best bet for the long term and for
your wallet. If other Orchideans have experience with this, I hope
they chime in.
California, as a state, lags far behind many other states in
assistance with health care access,…unless, if one is
disabled, poor, a single mom with children, or illegal. Does your
husband qualify for disability? If he qualifies but has not filed,
this can take some time so once again COBRA is your best short-term
option. If one is poor…dirt-poor to qualify…, then there
is medicaid. Single Moms with dependent children, if I remember
correctly, can obtain basic coverage for dependent children, but, I
haven’t heard anything about this program recently. If illegal,
well, that is a whole discussion in itself.
There was considerable discussion about federal programs. If anyone
knows more about this maybe they can chime in. Maybe these programs
all fell through. Medicare will be your best option here once your