Insurance question for US patients
This question is for post-transplant patients in the US and how you found the right insurance.
Right now, I have pretty amazing insurance coverage through my employer. However, my husband and I are exploring the possibility of relocating from our urban lives (and corporate jobs with good health insurance) to a rural lifestyle in the next 5-7 years. One of the big questions (and potential roadblocks) is getting insurance coverage that will cover my meds and post-transplant / chronic care management.
If anyone is willing to share, I am looking to better understand others' experiences in seeking out insurance on your own in the commercial insurance market. Which health plans (either national or in those focused in the mid-Atlantic) cover transplant meds and chronic care management with reasonable cost-sharing and/or copays? What's the monthly insurance premium I'll be looking at? What's the typical out of pocket cost for monthly meds. (I know that's dependent on a bunch of factors, but I'm trying to get any understanding of the range in cost.)
Thanks for any insights that anyone is willing to share.