I have US Health Group by National Foundation Life Insurance Company, and need wrist surgery. Scary reviews!

It’s not Halloween yet, but I just got a good spook. The situation is that I have a torn ligament in my wrist, need surgery, but I have USHG “insurance” and just read some scary reviews. Last year I (M:25) was booted off my parents insurance due to their financial insufficiencies. Applied for health insurance for the first time on the Marketplace, immediately got a call from a USHG rep, was skeptical, did a medium amount of research (kicking myself now) and read the brochures, but must have searched the wrong line because I found nothing bad about them and decided to move forward with their plan. I was ignorant.

The reviews I just read basically say that they will drop you when you file a claim. I’m in need of a wrist surgery and don’t really want to run the risk of getting surgery, then filing a claim, them dropping me, and getting stuck with a fatty bill. So I’m at this cross road where open enrollment doesn’t start until November and coverage does not start until the new year. Luckily I can still live a decent life with the current condition of my wrist, but it is very inconvenient. So, I am asking you all if there is a 3rd route. Does any one have good temporary insurance that I could switch into? I know that a lot of temporary protection is absolute garbage and I don’t want to repeat my mistakes. Any non-profits or any other routes to look into would be awesome!

Thank you for taking the time to read this, and thanks to any feedback in advance!

See also  Coverage question, NY city and state