Dr.Who
Well-Known Member
So I checked out the gov health care page today.
If I got health insurance through the exchange the plan that would be most appropriate for my family and most like what I have is the Humana connect platinum 1000/1500 ppo. I would qualify for about $117 dollars per year in a "rebate" which would go directly to Humana right away. The policy would cost over $900 dollars per month which about $100 dollars more per month than I am paying now. (Yes my wife and I decided that she would become a part time worker to give her a chance to pursue another career but for the time being we now have to pay for our insurance) So much for the rebate.
Additionally, I would have a huge deductible which could be as high as $3000 per year and given that my daughter has type one diabetes we would pay that deductible every year. Presently I have zero deductible. I would pay more at doctors offices, more at specialists, more at emergency rooms, basically more at every turn. Many of those costs would not be copays but would be 20% of costs and that could be huge. Presently my plan covers all prescriptions (which for us is huge) except that sometimes we pay a $3 copay. On the new plan I do not know how much we would pay for prescriptions. Wanna bet it would be a lot?
Additionally, I am not clear that I would even get that measly rebate since the language on the website says it is for people who get their insurance through the exchange and I have bought mine privately. Furthermore, I have learned that these checklists that show you what is covered and what is not covered by a plan are often misleading so that once you spend a few hours on the phone you discover that for one reason or another the treatment you wanted might not be part of what is covered or at least not fully.
I don't need to look any closer to know that one of these plans would costs us a whole lot more than presently. And we are one of the families that the plan was intended to help. A young healthy person would pay much more.
Then there is the whole issue of which doctors would accept me as a new patient. Would I find, like Medaid recipients, that few doctors would like me as a new patient and that those who did would be subpar?
So what about you? How do these plans compare for you?
If I got health insurance through the exchange the plan that would be most appropriate for my family and most like what I have is the Humana connect platinum 1000/1500 ppo. I would qualify for about $117 dollars per year in a "rebate" which would go directly to Humana right away. The policy would cost over $900 dollars per month which about $100 dollars more per month than I am paying now. (Yes my wife and I decided that she would become a part time worker to give her a chance to pursue another career but for the time being we now have to pay for our insurance) So much for the rebate.
Additionally, I would have a huge deductible which could be as high as $3000 per year and given that my daughter has type one diabetes we would pay that deductible every year. Presently I have zero deductible. I would pay more at doctors offices, more at specialists, more at emergency rooms, basically more at every turn. Many of those costs would not be copays but would be 20% of costs and that could be huge. Presently my plan covers all prescriptions (which for us is huge) except that sometimes we pay a $3 copay. On the new plan I do not know how much we would pay for prescriptions. Wanna bet it would be a lot?
Additionally, I am not clear that I would even get that measly rebate since the language on the website says it is for people who get their insurance through the exchange and I have bought mine privately. Furthermore, I have learned that these checklists that show you what is covered and what is not covered by a plan are often misleading so that once you spend a few hours on the phone you discover that for one reason or another the treatment you wanted might not be part of what is covered or at least not fully.
I don't need to look any closer to know that one of these plans would costs us a whole lot more than presently. And we are one of the families that the plan was intended to help. A young healthy person would pay much more.
Then there is the whole issue of which doctors would accept me as a new patient. Would I find, like Medaid recipients, that few doctors would like me as a new patient and that those who did would be subpar?
So what about you? How do these plans compare for you?
