Loc: Whittier, California
Originally Posted By: pondering_it_all
Jeff, Daryl is not really uninsurable. In California there is no gap between Medi-Cal coverage (which is free) and ACA coverage in terms of income limits. Both of these offer excellent coverage. The ACA maximum out-of-pocket is something around $7400 per year. Medi-Cal has no cap because it has zero cost.
ACA plans in LA include some top-notch plans like Blue Cross, etc. UCLA is going to accept them because otherwise nobody could go there. One important issue is how much income Daryl earns? If it's less than the Medi-Cal limit then he gets that free. If it's a little too high, he can get ACA almost for free as well. The ACA lower limit can be reached by paying Daryl for all his work around the house to get to the limit. But he would have to pay for ACA coverage for the year. Then he gets that all back in his income tax refund. This can be a huge advantage for not keeping an 18-26 year old kid on your ACA plan, if he has the right income.
I think you need to understand that we've been going through this ever since he got dropped at UCLA by Oscar a few months back.
The point is, he NEEDS to be at UCLA. Yes, UCLA SAYS they will accept a Medi-Cal plan but the proof of the pudding is in the tasting, and we're stuck in Hell trying to get answers from know-nothing clerical types who cannot get through all the hoops just yet.
So for now, until the logjam finally breaks, he IS in point of fact uninsurable until such time as we get the proper stuff filled out the proper way based on proper advice. We have been at this almost four times a week for months, back and forth.
Daryl's employability is up in the air because he is on SSI, so he has been doing small gigs here and there, careful not to exceed the limit.
So yes, technically the day will come, who knows when, when we will finally get all this sorted out however with a kid whose issues go from "Okayfine" to "HOLY [censored]ing sh!t!!!" in the blink of an eye, it's a scary interim, all of which could be avoided if the stupid insurance companies would stop playing "exploding cigar" with the policy and just leave him there.
This is the FOURTH time an insurance company has dropped him, for the lame excuse that they do not want to be in the market anymore.
Sick of it, sick of it, sick of it.
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