Detractress
kiwifarms.net
- Joined
- Aug 28, 2017
I notice he said "it might go UP TO 400 dollars" So is he paying 200? 300? 399.99? That is expensive what he's paying for something he's not using. If he's not intending to go to the doc for annual checkups, or needs maintenance medication, or anything like that, he can get away with not going to the doc and getting the cheapest plan possible. I dont know if there are HSAs and high deductible plans out there. But in my opinion those are great if you're healthy. If you're not, a more standard plan works. But if you're not going to the doc, dont need routine care.... then get the cheapest thing out there to cover you if there is an emergency
And just with a little more information from healthcare.gov, as of right now, there are only 4 plans that are over 400 dollars with an enrollment date of Nov 1 2017. They're all top of the line gold plans with the highest cost plan being 446.38 and ALL of the over 400, top of the line plans are through the same provider, Blue Cross. The next highest price provider is Kaiser and its a PPO (just like Blue Cross) with a lower annual deductible (1k yearly deductable) IF he needs a low deductable plan, and doesnt need specialty care from a provider who only takes Blue Cross, and not Kaiser, then there are 4 gold plans that he can choose from the same provider.
Now the fact that he's looking for health plans right now, its open enrollment time. United Healthcare just withdrew from the individual market. Now why would Phil be shopping for plans on the Washington market website if he wasnt looking for a new insurer? Looking for a lower rate? Phil has never negotiated for lower rates for anything in his life (hell he bought his house for the asking price). Phil was likely with an insurer like United who pulled out of the individual market and now he has to buy a new plan.
If Phil gets on a silver plan, gets on an HMO, or even goes with a bronze plan if he doesnt go to the doctor, he wouldnt be paying anything close to 400 a month. There's a damn good silver plan with 10% coinsurance up until the deductable with no copay through Kaiser for 250 a month. It looks like a HMO plan. Its a good plan, the deductable is 3k. With the 10% coinsurance for anything from an well patient visit to an emergency room visit, he doesnt break the bank on his first few doctors visits per year. He pays around 20 dollars per doctor visit and if he goes to the hospital it doesnt cripple him financially. Not bad at all.
But he's whining about 400 dollars a month in insurance costs, for a gold plan with a 1500 dollar deductable and 20 dollar copays for his primary doc and 40 dollar copays for a specialist. This is a plan for a sick person. Someone who goes to the doctor and has expensive tests and imaging every month. Someone who needs a lot of medications... that kind of thing. Phil might need healthcare, but he doesnt use it. This plan is NOT good for him (and this goes for all of the above 400 dollar plans).
And just with a little more information from healthcare.gov, as of right now, there are only 4 plans that are over 400 dollars with an enrollment date of Nov 1 2017. They're all top of the line gold plans with the highest cost plan being 446.38 and ALL of the over 400, top of the line plans are through the same provider, Blue Cross. The next highest price provider is Kaiser and its a PPO (just like Blue Cross) with a lower annual deductible (1k yearly deductable) IF he needs a low deductable plan, and doesnt need specialty care from a provider who only takes Blue Cross, and not Kaiser, then there are 4 gold plans that he can choose from the same provider.
Now the fact that he's looking for health plans right now, its open enrollment time. United Healthcare just withdrew from the individual market. Now why would Phil be shopping for plans on the Washington market website if he wasnt looking for a new insurer? Looking for a lower rate? Phil has never negotiated for lower rates for anything in his life (hell he bought his house for the asking price). Phil was likely with an insurer like United who pulled out of the individual market and now he has to buy a new plan.
If Phil gets on a silver plan, gets on an HMO, or even goes with a bronze plan if he doesnt go to the doctor, he wouldnt be paying anything close to 400 a month. There's a damn good silver plan with 10% coinsurance up until the deductable with no copay through Kaiser for 250 a month. It looks like a HMO plan. Its a good plan, the deductable is 3k. With the 10% coinsurance for anything from an well patient visit to an emergency room visit, he doesnt break the bank on his first few doctors visits per year. He pays around 20 dollars per doctor visit and if he goes to the hospital it doesnt cripple him financially. Not bad at all.
But he's whining about 400 dollars a month in insurance costs, for a gold plan with a 1500 dollar deductable and 20 dollar copays for his primary doc and 40 dollar copays for a specialist. This is a plan for a sick person. Someone who goes to the doctor and has expensive tests and imaging every month. Someone who needs a lot of medications... that kind of thing. Phil might need healthcare, but he doesnt use it. This plan is NOT good for him (and this goes for all of the above 400 dollar plans).
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