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-> Inquiries & Offers
-> New York related Inquiries
amother
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 Thu, Dec 12 2024, 6:03 pm
Hi im on fidelis medicaid and recently was diagnosed with crohns. all the top GIs dont take fidelis medicaid. I would love to be seen by a good dr. how can I go about and get myself good insurance?
thanks,
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amother
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Thu, Dec 12 2024, 6:38 pm
im in Monsey. need someone who specializes in crohns
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amother
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Thu, Dec 12 2024, 6:40 pm
| amother OP wrote: | | im in Monsey. need someone who specializes in crohns |
You’ll have to find someone within your network, and it might just not be the “top” doctor you were recommended to. Unless you pay out of pocket
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amother
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Thu, Dec 12 2024, 6:43 pm
| amother OP wrote: | | im in Monsey. need someone who specializes in crohns |
You’re welcome.
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amother
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Thu, Dec 12 2024, 6:48 pm
| amother Floralwhite wrote: | | You’ll have to find someone within your network, and it might just not be the “top” doctor you were recommended to. Unless you pay out of pocket |
can I get into an insurance that I can see the drs I want? tried paying out of pocket but dr office said they are not allowed to charge me if I ahve meidciad
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amother
Amethyst
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Thu, Dec 12 2024, 7:44 pm
I would recomend you to reach out to refuah helpline or chaim medical for advice.
They might help you find a top dr within network and if thats a problem they can guide you through the insurance process
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amother
Bergamot
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Thu, Dec 12 2024, 8:06 pm
| amother OP wrote: | | can I get into an insurance that I can see the drs I want? tried paying out of pocket but dr office said they are not allowed to charge me if I ahve meidciad |
Unless a doctor is signed with Medicaid they cannot legally accept money from a patient enrolled in Medicaid.
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amother
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Thu, Dec 12 2024, 8:40 pm
| amother OP wrote: | | can I get into an insurance that I can see the drs I want? tried paying out of pocket but dr office said they are not allowed to charge me if I ahve meidciad |
You can, but it's going to cost thousands and thousands of dollars.
Instead of Medicaid you can buy a plan from the NYS exchange. You won't get any premium assistance because you are eligible for medicaid. The premium will be hundreds of dollars a month and the deductible will be thousands.
Or you can call a broker. I spoke with one recently who quoted me prices for cigna. Individual plan was over 800 a month and deductible was 5000, and after that is coinsurance.
How much are you prepared to spend on this?
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amother
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Thu, Dec 12 2024, 8:41 pm
| amother Amethyst wrote: | I would recomend you to reach out to refuah helpline or chaim medical for advice.
They might help you find a top dr within network and if thats a problem they can guide you through the insurance process |
Very hard if not impossible to find top doctors who take Medicaid. You get what you pay for. If your insurance is free you're likely not gonna get access to the best doctors
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cnc
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Thu, Dec 12 2024, 8:45 pm
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Columbia and NYU have excellent doctors for Crohns and they accept Fidelis and other MCD Hmos.
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amother
Tomato
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Thu, Dec 12 2024, 9:01 pm
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All of Columbia takes fidelis
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amother
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Thu, Dec 12 2024, 9:12 pm
| amother Purple wrote: | You can, but it's going to cost thousands and thousands of dollars.
Instead of Medicaid you can buy a plan from the NYS exchange. You won't get any premium assistance because you are eligible for medicaid. The premium will be hundreds of dollars a month and the deductible will be thousands.
Or you can call a broker. I spoke with one recently who quoted me prices for cigna. Individual plan was over 800 a month and deductible was 5000, and after that is coinsurance.
How much are you prepared to spend on this? |
Typically a person needs a qualifying life event to even sign up, you can’t decide halfway through the year to switch insurance. Happens to be, now we have open enrollment and OP can apply (by 12/15 for coverage to start Jan 1st)
I did this for my last pregnancy, I’m on Medicaid but my dr wasn’t in network. I signed up for a marketplace plan as supplemental insurance and had zero credits towards the premium, so it cost me close to $900 monthly. I canceled it right after the baby was born. For me it was worth it
But as far as your situation, you can find a great doctor who accepts your insurance. Look up a reputable hospital’s recommendations for who’s in their network. It doesn’t need to be the most famous dr in NY
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amother
Sage
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Thu, Dec 12 2024, 10:12 pm
| amother OP wrote: | | can I get into an insurance that I can see the drs I want? tried paying out of pocket but dr office said they are not allowed to charge me if I ahve meidciad |
You have to tell them you don’t have insurance, once they know you have Medicaid they can’t legally charge you. To keep the costs down you’d need 2 doctors, one that takes Medicaid that will do your regular checkups, colonoscopies etc and then you consult with the top doctor on treatment options and general management.
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