On Friday I was practically offered this great new job in an industry I'd rather work in, with people I'd rather work for/with. I was "recruited" by a friend of close friend. They are also very tight friends. The job is an amazing opportunity to get experience doing what I wanted to be doing, most jobs I want require more industry (marketing) experience - I just work at a university right now doing similar work but it's not my main job. I really want to take this job, really bad. I'd be working from home also. The big potential deal breaker is that this great new job doesn't offer health insurance right now, but they said they might after the new year. Another employee I talked to said that was supposed to be Q3 this year, but it was postponed until next year, so I don't know if it will happen but I sure hope it will. My mom recently passed away and I know my in-laws would say it's a no brainer, don't take the job. :( But I really, really, want this opportunity. I'm stumped. There has got to be a way to make this work? Can I get a good deal on health insurance or can I qualify for medicaid? The potential job won't start until mid to late January.
My current job health insurance is pretty good - $600 annual deductible $20 a month (used to be $0 for the history of the university) 80/20 coverage and earlier this year my endo got me CGM coverage for the sensors etc.
How old are you and which state do you live in? COBRA might be an option, although it can be pretty expensive.
In that case, it could be challenging. You probably don't qualify for Medicaid. Not sure if your insurance counts as "group coverage." If you don't qualify for group coverage (or COBRA), your state does have a high risk insurance pool. However, they're usually kind of pricy as well. Or you could try to get individual insurance. I applied and Type 1 diabetes alone did not disqualify me.
Unless you and your spouse can become a group (which no, it sounds like not) then you have to find something as an individual through a health insurance pool. Our state offers a few options that way, you are not allowed to voluntarily drop what you already have but if it were because of a new job it would be fine. But you can expect to pay a whole bundle of money for these. We're self employed and under a group as two employees, and we pay $436 per month. I would say you're definitely looking at something around that range.
I think the ADA site has listings by state, so start there.
You can make some calls and work on it.
It would be a shame to turn down a wonderful job that you really want!
This is a huge dilemma. I used to sell insurance so I have a little experience in this. You have diabetes and are on insulin, odds are you can not get individual health insurance. You will need a group plan or a state sponsored (pre-existing) insurance program. Medicaid will not be an option because you will be employed and (hopefully) making more than the state minimum. I also know that the "Obamacare" plan is coming about and that might be your savior. Check with upcoming regulations and see if you will be given an option to get individual health insurance with the upcoming regulations. the full plan will not be implemented until 2014 and with all the challenges being put up it may not make it to full implementation.
My recommendation is that you do your research with a licensed agent in your area. Check to see what your diabetes medicine costs really are. (They are not cheap)
Yep, not cheap. And the state sponsored plans here have lousy pharmacy coverage.
I think you have to pay a large portion out of pocket and those meds add up fast.
That's not bad. Now you need to call and find out if there are any waiting periods, and run by a list of all your supplies and meds to see about prescription coverage.
You can do it without a broker, I do because the brokers I have used do not understand pumps and pump supplies and I end up making all the calls anyway (no offense Diego, but this is just my experience locally).
Find out what categories they put strips, sets, insulin etc in because that can make a difference too.
This is a tough one. I'd love to tell you to take the job, but without coverage I can't, in good conscience, say that. I have a job with no benefits, but my wife works full time and has an awesome benefits package which covers me as well. If not for her, I never would have accepted the position I have now.
How big (or small) a company is this? If they are talking about offering benefits next year, they'd better be working on getting the details together now. I'd start by having a serious discussion with this employer (perhaps not the hiring manager) to find out more about the insurance plans they expect to roll out. What details have been ironed out already? What will it cost you, and will this new "addition" to your compensation result in a cut in salary? Would they let you wait to accept the job until a benefits plan is rolled out?
The other option, if it works with your lifestyle, is to get a second part-time job strictly for the benefits. If you have a full-time job in something you really like, maybe supplementing it with a part-time job at Starbucks (with benefits) might make it worthwhile.
But please don't try to face diabetes without any insurance at all (unless your new salary is so great that you can easily afford it out-of-pocket!). That would be a huge source of stress, and you wouldn't be able to enjoy the new job.
Erika that's a tough decision. I guess it depends on how far/much you want to gamble. Your future or your health? Very tough. If you love the work you do now, then stick with it. But, if you decide long term good health is your goal then do not change. I loved my job (in purchasing), but complications took over in my early 50s. You said you were just 30, so I assume you will work somewhere for another 30-35 years. Of course, your spouse is your main advice. And children will also influence your decision. I don't know much about health insurance plans, since I am covered by the wife's plan. It's just so darn expensive. Perhaps ObamaCare will help, but that's 2-3 years away. Looks to me that your current health insurance is pretty good, but you can't predict the future. Best wishes to you on the job proposal, but the old saying still applies "a bird in the hand etc".
Yikes. Well, at least you looked into it.
And maybe yes, they will have something that you could end up doing for them.
You never know.
Btw, my favorite work from home sites are Rat Race Rebellion and Work Place Like Home (.com). In case you do want to pick up some extra funds. The people on the latter site are very friendly and helpful and they have great listings (and discussions to let you know which jobs are not legit.).