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Parent Support Forums
Substance Abuse
Insurance Vs. No Insurance - Anyone know....
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<blockquote data-quote="Kathy813" data-source="post: 719197" data-attributes="member: 1967"><p>My advice is to keep him on your insurance. If he wants benzos, he can get them very cheaply even if he doesn't have insurance. I know if is horrible to think that you are "helping" him get them but having insurance will also "help" him get treatment when he decides he wants it.</p><p></p><p>When my daughter went to her 3-month program in Florida, she didn't have insurance because she had aged out of our insurance and this was before the ACA. We paid over $60,000 out of our retirement money. After the ACA was passed, she was able to go to multiple inpatient rehabs and they accepted what the insurance would cover so there was no out-of-pocket for us. It took five times but I truly believe that the treatment programs helped a little bit each time.</p><p></p><p>Honestly, I don't think anyone should be without insurance. Without getting political, I credit the ACA with saving my daughter's life.</p><p></p><p>by the way, medicaid is very hard to get. If you make even a small amount of money each month, a single person is not eligible. I looked into it for my daughter and she didn't qualify. Another thing to consider is that Florida did not expand medicaid so your son would probably fall in the medicaid gap and end up making too much for medicaid and too little for the ACA subsidies so he would end up with no insurance at all. My daughter fell into that gap when she was living in Florida and lost her full time job and was working at a part time job.</p><p></p><p>~Kathy</p></blockquote><p></p>
[QUOTE="Kathy813, post: 719197, member: 1967"] My advice is to keep him on your insurance. If he wants benzos, he can get them very cheaply even if he doesn't have insurance. I know if is horrible to think that you are "helping" him get them but having insurance will also "help" him get treatment when he decides he wants it. When my daughter went to her 3-month program in Florida, she didn't have insurance because she had aged out of our insurance and this was before the ACA. We paid over $60,000 out of our retirement money. After the ACA was passed, she was able to go to multiple inpatient rehabs and they accepted what the insurance would cover so there was no out-of-pocket for us. It took five times but I truly believe that the treatment programs helped a little bit each time. Honestly, I don't think anyone should be without insurance. Without getting political, I credit the ACA with saving my daughter's life. by the way, medicaid is very hard to get. If you make even a small amount of money each month, a single person is not eligible. I looked into it for my daughter and she didn't qualify. Another thing to consider is that Florida did not expand medicaid so your son would probably fall in the medicaid gap and end up making too much for medicaid and too little for the ACA subsidies so he would end up with no insurance at all. My daughter fell into that gap when she was living in Florida and lost her full time job and was working at a part time job. ~Kathy [/QUOTE]
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Insurance Vs. No Insurance - Anyone know....
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