I am living in Virginia and considering a move to Colorado Springs. I live with my mother, who is moving to Florida next year, at which point I will need somewhere to go. I have a job, but have never been able to support myself, hopefully this will change, and the Springs should be less expensive than the DC area. My question:
Does anyone have any knowledge of the new Health Care Exchange in Colorado, coming in October 2013?
I am worried about several things. I am most concerned about the simple existence of the exchange, because theoretically, with an insurance exchange in state it will be assumed that I have access to insurance, but this is not necessarily the case...
I cannot afford insurance, and even if my situation were to improve dramatically, I do not expect this to change. I had insurance for a time with an employer, but it was an high deductible plan and actually made my health costs go up. Nothing related to epilepsy was covered. I had to pay for all my expenses, meds, high deductible, AND insurance. Some things cost more simply because I had insurance, even if it wasn't covered or was only partially covered. Conversely, I had great insurance while living in Boston (because of mandated coverage), but for it to make any financial sense I had to get one of those evil "cadillac" plans, because it was the only thing that would cover my all my meds, tests, and doctors. My family paid for it, otherwise it would have been out of my price range.
Currently I get my meds for free from the drug companies. Will this be possible when there is an exchange in state, whether or not I actually have drug coverage?
I take Keppra, Tegretol, and Felbatol (transitioning to Felbatol and Keppra). Will I have access to these particular meds with insurance from an exchange? Is it possible for example, that certain medicines like Felbatol will simply not be available in a state with an exchange, since they are too "expensive" or "risky"?
Will I be able to see a good epileptologist of my choice? Many insurance plans make out of network physicians expensive. Even if I were to have insurance, I may have the additional expense of paying entirely out of pocket to see them, or they may charge a different rate because I have insurance, even though my insurance doesn't cover it.
Finally, will I be forced onto a government plan which could prove even more restrictive than cheap insurance?
Currently I have some limitations because I don't have insurance and can't afford certain things, but I can live with that. I pay for my doctors, and am blessed to get my meds for free. I am terrified of what might happen if I lose the options I do have, especially if they start telling me what meds I can and can't take, or what doctors I can or can't see, and then charge me for the privilege.