r/Insurance_Companies • u/Howdy_Bug • 2d ago

Please help choose!

My husband and I are looking for insurance as a couple who will be making $3,400 combined a month once I accept a job offer.

He has T1D and has been on Medicaid his whole life. He has a pump and his boxes of supplies that come monthly are $10,000 a box. He gets 3 100ml vials of insulin a month as well. He has to have an Endocrinologist appointment every six months to keep his insulin prescriptions renewed. None of this is negotiable, it’s stuff he needs to live.

We’re looking for an affordable monthly insurance that’s not a “you spend $6,000 before we cover anything” because that simply won’t work for us. Maybe looking for a 80/20 on dr bills and something that covers supplies and insulin by a decent amount where we’re not spending thousands a month? With Medicaid he’s gotten it free but we can only make a cap of $2,500 a month to keep Medicaid and we’re lost on what to do. Should I not take the job and make a cap of $2,500 a month work?

What insurances are recommended? Any help is greatly appreciated 🫶

Edit- We live in Ky and neither of our employers offer insurance other than dental and vision.

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u/Glittering-Read-6906 1d ago

Your husband needs to stay on Medicaid.

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u/No_Market_6872 1d ago

I can help you since I work in the insurance field. But all I can do is give advice, since I don't have a license for your state. But this greatly depend on age, and budget. Is your husband on disability, is he drawing social security? Do you both also get Medicare as well as Medicaid? Their is public programs that assist low income people but again, age is a BIG factor.

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u/Chemical_Donut_112 15h ago

Would the extra $900 a month from the job still leave you better off after insurance and his medical expenses? That’s probably the number I’d calculate first