Health Care Thread
- Thread starter a_skeleton_03
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I would kinda need to at this point. My job is in landscaping, so it takes a toll on me by the end of the year. That, and I'm at that age that prostate exams are going to be need to be done (grandpa died of prostate cancer), so it needs to be done. Bronze package requires a far too high deductibles.
I just took this screenshot. This is what I have option wise. It's bad, imo.
Although it looks like they updated the Silver plan since I last looked at it. It didn't have that low of an option when I tried a week or so ago.
Palum
what Suineg set it to
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There's this 'scam' thing on the radio lately, it's a 'Christian Charity Healthcare' or something where basically they collect your money and use existing charities to subsidize your required care where able. I'm not sure exactly how it works since it's a ponzi and they don't publish that, but given how they state it qualifies for coverage under the ACA but it is not insurance it just seems like a huge scam.
Malakriss
Golden Baronet of the Realm
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That Platinum plan looks better than a lot of states' silver plans, although it probably helps to have 4 companies competing. Is that through your employer or normal signup?
Sludig
Golden Baronet of the Realm
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So unless I'm missing something, in my wife's example. She had premium for like 350 a month. It paid like 25% better on bills and had a slight smaller deductible than the others. Max out of pocket was 6k.
Meanwhile due to aca, value plan has a like 4.5k out of pocket and is only 70 a month. Looking at a c section kid, with any plan we'd hit the oop, so why pay 350 vs 70 month. Like seems broken and the way to go if you plan a big expense or are decrepit in general. Only come out behind if you had many many small 300 bills thruout the year, but if you don't you win v big via reduced premium.
No wonder companies are dying, since aca added that oopmax to value. (In her info packet even had asterisk explaining the oopmax s new due to aca)
Meanwhile due to aca, value plan has a like 4.5k out of pocket and is only 70 a month. Looking at a c section kid, with any plan we'd hit the oop, so why pay 350 vs 70 month. Like seems broken and the way to go if you plan a big expense or are decrepit in general. Only come out behind if you had many many small 300 bills thruout the year, but if you don't you win v big via reduced premium.
No wonder companies are dying, since aca added that oopmax to value. (In her info packet even had asterisk explaining the oopmax s new due to aca)
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That is through the sign up. I only make at most 25k a year currently, which is enough to basically survive on, so even these costs can be too high : / (I know, I know I should find better paying jobs, but when you don't have any real skills and didn't go to college you take what you can get. Someone needs to build/plant all the shit rich people don't want to do themselves.) And my employer doesn't offer medical, lol. It's a company of like, seven people. So he has no reason to do so.
Vaclav
Bronze Baronet of the Realm
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Out of Pocket Max existed on all plans in the past to my knowledge - unless I'd just always lived in states that required it. Literally in 15 years across NY/PA/MD setting up insurance policies for my employer I never saw a single option that didn't have an out of pocket max even in the cheapest ones.
And even for the awful "catastrophic only" policies that existed that the ACA killed even though I never saw one firsthand (my states didn't allow them) my understanding was that they basically provided no coverage until you hit a OOPMax threshold when they'd cover everything.
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I didn't check out the ACA exchange this year, but is it save to assume that if my company offers something like "BCBS Silver 4" that it would be same BCBS Silver 4 plan found on the exchange?
Khane
Got something right about marriage
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I would say no. Here in CT there are only a handful of insurance providers on the exchange so there's a good chance you might not even find a BCBS plan on your exchange at all. That doesn't necessarily matter though because it's fairly easy to compare coverage between different types of plans. The Connecticare plan my last company offered was nowhere to be found on the exchange even though they did have other Connecticare plans on there.
Palum
what Suineg set it to
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Yea, be careful. Some pretty important things tend to be 'disguised' at plan levels depending on the screen you're looking at. For instance coinsurance rates and max OOP are the particularly important pieces. Maybe it's just AZ's site but some of them are grouped in categories and say stuff like 'as low as 25% coinsurance' but the plan they actually select says 75% on the next screen.
The Bronze plan is a piece of crap. How can the poor people its specifically designed for ever afford a $6317 deductible?I would kinda need to at this point. My job is in landscaping, so it takes a toll on me by the end of the year. That, and I'm at that age that prostate exams are going to be need to be done (grandpa died of prostate cancer), so it needs to be done. Bronze package requires a far too high deductibles.
I just took this screenshot. This is what I have option wise. It's bad, imo.
Although it looks like they updated the Silver plan since I last looked at it. It didn't have that low of an option when I tried a week or so ago.
Well it is kinda a default limit too, if you pay for the insurance your max is 6k per year, maybe it has to be financed or maybe you still default but since you were in the risk pool your default is 6k instead of 50k or whatever it would be if you had no insurance.
Khane
Got something right about marriage
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What do you mean by this? The price should be dependent on your income, not whether your employer offers insurance.
Denamian
Night Janitor
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I go to the NY exchange, enter all my info, which includes if my employer offers insurance and how much it costs. I get told that I don't qualify for a subsidy despite being in the income range. I played around with the application, and if I said my employer didn't offer insurance or I didn't qualify, I suddenly become eligible for a subsidy.
According to the affordability exemption stuff, I can apply for an exemption if the cost of insurance is over 8% of my annual income. The premium for what my employer offers ends up being just over 7%. If the deductible counted towards that it would be just over 9%.
