'This private for-profit system that demands money for life killed my son'
for an individual ACA plan in the U.S. before factoring in any subsidies was $477 per month in 2019. In New York, where Daniel lived, that average premium is $506 per month.
In early February, around that same time Daniel moved back in with Scott, Fidelis mailed a notice regarding the outstanding $20 premium balance to his old address. Daniel never received it, only realizing his insurance had lapsed when he tried unsuccessfully to refill his $250 medication in late March.
Fidelis Care covers over 1.7 million people throughout New York state, according to its website. Among its coverage options are ACA exchange plans as well as, set up through a partnership with the state. According to Scott, Daniel had a managed Medicaid plan. In a statement to MTV News, Fidelis Care expressed condolences to Daniel’s family but defended its policies on missed premium payments. “Fidelis Care takes the health of members very seriously,” the statement read.
That explanation isn’t good enough for Scott. “I hear people say, ‘Well, he could have gotten a part dosage, he could have gotten this, he could have gone here.’ Yes, he could have done a lot of things,” Scott said, noting that his son had gotten four different jobs in the last month of his life to try to make ends meet. None of the jobs offered immediate health care coverage.Daniel was taking the antipsychotic medication Resperidone, which is often prescribed for schizophrenia.
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