Many young adults between the ages of 19-29 are uninsured. Here are some options for individuals that fall within this age group…
Consider Student Health insurance: Most Universities offer health insurance plans for their students and may extend it to their alumni.
Stay on family health plan: Many states are upping the age requirement for individuals to stay on family health plans to 30 years of age. This is a great option for those who have a chronic disease. This option varies by state.
Look for youth plans: Some states allow individuals to create plans based on age. The name of a youth plan most widely used is Tonik.
Group insurance plan: Join a group insurance plan and pay less than you would if you had individual insurance. You can get group insurance through various associations (often college alumni associations) and trade organizations.
Apply for public health insurance: State health insurance and government subsidiary programs are available. The ability to qualify for these programs varies dramatically from state to state. Some states will supply coverage, but this is rare. Often there must be a secondary health problem that allows you to qualify for Federal Disability. This option is rarely available for those with CAH. Because many individual health insurance plans do not cover pre-existing conditions, many individuals are pointed to public health insurance programs. Check individual state health websites to find out their plans. CARES Foundation also has information within their website.
Individual health plans: These plans are good for short term use. Many insurance companies exclude pre-existing conditions such as CAH or require a waiting period of 6 months or a year before coverage is available. If an individual is approved, these plans can be very expensive or they may not cover enough of what individuals with CAH need.
Extend the insurance you have already: Individuals on certain plans, such as their parents’ plan, can extend their plans up to 18 months under a federal law called COBRA. Initially, it can be expensive to maintain, but it does have the benefit of helping young adults find insurance once the plan is up.
Take a part-time job that offers health insurance: If you are self-employed or starting your own business, look for a part-time job at one of the major retailers that offers health insurance benefits for their part-time staff. Examples are Starbucks and Target.
Try a Public or County Clinic: Some clinics have endocrinologists on staff and others may have a referral system. These clinics charge people on a sliding scale according to ability to pay.
Apply for Charity Care through a major hospital medical center: The requirements and availability of these programs varies from state to state; however, this can be a wonderful option. Often these programs will include both office visits and lab work.
Ask your doctor to treat you at a reduced rate: Some doctors, particularly ones that have treated you for a long time, may be able to work with your reduced ability to pay.
Some laboratories have patient assistance programs: Often, the office visit is not the main expense in monitoring your condition: it is the laboratory work that can run in the thousands of dollars each time. Quest Diagnostics has a patient assistance program for those with reduced ability to pay that works quite well. LabCorp (Esoterix) is working on putting together a patient assistance program and may make accommodations on a one-on-one basis.
Enroll in a clinical trial for CAH: This may be an option for care if you have an interest in supporting science and the individual clinical trial considered is an appropriate option for you. For example, The CAH Natural History Trial in Bethesda Maryland at the NIH will give you a thorough work-up. Some clinical trials even provide a stipend for participating. Please read Clinical Trial Participation Considerations. Information about enrolling in clinical trials is available at www.clinicaltrials.gov and the CARES Foundation website.
No matter what, you must be monitored and should not go more than one year without seeing a doctor!
Some information above was found at: http://www.healthcarecoach.com/resources/index.php?view=detail&id=508&node=10
Related webpages of interest include: Dealing with Insurance/Managed Care and Healthcare Resources and Insurance Resources.