Family member 1 recently got cancer, amongst other issues.
Family member 2 has arthritis, amongst other issues.
They’ve had health insurance for the last 15 years or so, but have lost their job and unable to work at the moment due to poor health.
This now means that their job isn’t paying their health insurance and now it’s gone. I’m aware of the 13 week rule so I’m making sure they don’t wait over 13 weeks because then they’ll have to wait 5 years to be covered for these pre existing issues.
I’m also afraid of them buying a cheap, crap plan as then they’ll have to wait 5 years to be covered for any “better” plan that they then join to get additional coverage.
They don’t have much money due to not having a job, so money is tight unfortunately but I’d pay towards it if needed.
So my question is, bearing in mind both have very serious medical issues and not a lot of money, what plans would you recommend? I’ve heard good things about Laya’s Inspire plan, but that doesn’t cover orthopedic which isn’t good considering the arthritis, right?
Any advice whatsoever? We’re nearly 8 weeks in to not having health insurance so I’m getting worried for them