ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

College Graduate Seeking Health Insurance Coverage

Updated on June 19, 2015
social thoughts profile image

I have a B.A. in English with a minor in Gender and Sexuality Studies. I've been a Goth since age fourteen, and a Pagan since age fifteen.


Graduating with honors, but without insurance

In December 2012, after six years of battling multiple careless professors and one careless parent, against the odds, I graduated from my university with honors at age 25. I began applying for jobs immediately while I awaited to receive confirmation that I had graduated. I have yet to receive a job with my degree, but my diploma did arrive.


The following year, I lost my prescription coverage. I paid almost $200 per month for what I prefer to call "hormone pills" considering "birth control" is not merely used to prevent pregnancy, but helps with an endless variety of conditions from regulating one's cycle to alleviating cramps to preventing cysts and so on. With coverage, it's $20 each. [I would explain why generic is not always the best choice, but that's for another article.] After a few months, I found a cheaper alternative way to access brand name birth control for the same price I would pay with insurance.

I remember in one of my feminism classes some women debated with our male peers about the unreasonable price for "birth control." I didn't understand, then, why one classmate was complaining about having to pay $200 per pack. Now, I know.

Do you have a low income insurance?

See results

New part time job: Professional Insurance Applyer

When I knew I would lose the rest of my coverage just in time for 2015, I began trying to apply early. Apparently, I would have to wait, but it was "guaranteed" I would receive it. So, come December, when I was losing it, my mom helped me apply over the phone. Then, we just had to wait. When we never heard back, we called again. They told us they didn't have the information. So, we applied again, over the phone. Another while later, we called back, and it was the same story. When we didn't have the patience to apply over the phone a third time, they suggested doing it online.

I applied online about three times. Each time, it said to wait thirty days for it to process. So, I did. When I called, they said there was no record of it.

It was April 2015 when my mom said, "Let's fill out the hard copy and send it certified, so they have to sign for it." Shortly after sending it, we received a call confirming that it had arrived. They told us which papers they needed, so we faxed them over, and I received a confirmation slip just in case they tried to deny that. Another few weeks later, I called to make sure they received it, and an automatic message informed me they were reviewing it. Finally, someone called me and sent me a letter with a policy number.


What is it like when you make a medical appointment?

See results

June 1st: Seeing the light...Sort of

Over the phone, my mom learned what all needed to happen to choose the right coverage, and eventually we were told in a few more weeks, on June 1st, I would receive my new insurance card and a list of doctors I can choose from. Well, I received the card when they said I would, but we had to call, again, for the book.

After I knew I had Medicaid, it was suggested to call each of my doctors to see if they take it. I called my primary, my dentist, my eye doctor, and my gynecologist; none of them would accept it.

The book says "January 2015." That means, supposedly, it has been updated with that information. What I have found this past week is that six months can really make a difference. I have crossed off several listings for doctors who are one, no longer there, or two, no longer accept new patients—probably because so many people have been without coverage, until now. So, this new giant phone book isn't as promising as it pretends to be. It mocks me.

"Fifty-four percent of primary care doctors and 56.5 percent of specialists in New Jersey said they did not plan to accept any new Medicaid patients in the coming year — more than any other state, according to a July report in the monthly publication Health Affairs."

- Susan K. Livio

Have you heard of Medicaid?

See results

Not Alone...By Far

When I tried to fast-track my search for Medicaid insurance doctors in New Jersey by going online, I came across an article that opened my eyes to the reality of the situation: I'm in the worst state for someone with Medicaid. Most NJ doctors refuse to join the Medicaid wagon.

According to, doctors in Trenton median an income of $218,629. I will not assume this is true universally, but if that's a median, that's a lot more than an average salary in Jersey of someone without an M.D. I could understand the difficulty of working for less pay, but considering how well they seem to be doing with those who don't need Medicaid, I am puzzled as to why doctors would not find it in their duty as a care provider to assist those who need it most.

What do you think of doctors refusing Medicaid?

See results

Perhaps, more offices are working on adding Medicaid to their accepted insurance, but so far only one office informed me that they were. The others simply said, "No, I'm sorry, we don't accept that." So, for people who previously had very decent doctors because they were still young enough to be on their parents' insurance, people my age who can no longer have that "privilege"—honestly, a decent doctor shouldn't have to be a "special" privilege—are feeling pressure not only with failing to start their careers, but to get on their own two feet with a place to live and even something as vital as insurance.

Our generation is screwed. Plain and simple. So far, in the past week, I have only made two appointments out of four doctors, and when I go for my physical it won't be with my assigned primary because she is booked until October, but bless her for taking on Medicaid patients! Without a decent job that comes with health benefits, we're all fighting each other in this quest for something as simple and as necessary as our health.

© 2015 social thoughts


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
ClickscoThis is a data management platform studying reader behavior (Privacy Policy)