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| Topic: Obamacare and co insurance | |
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for those switching to Obamacare, one needs to be careful because as they say, the devil is hidden in the details...
The lower cost Obamacare policies (at least in my state)that are being publicly marketed and hailed as "affordable" not only have high deductibles($2700 to $5500)but also have 20% to 50% co insurance for just an er visit to the hospital...that means a simple er visit could cost you up to the deductible amount because co insurance doesn't pay anything until the deductible is met. in NC, I have found that just about all the bronze plans have co insurance for an er visit and the lower cost silver plans do too...once again, these plans are being marketed as "affordable". that is ridiculous...the law should be that all plans have a flat rate co pay for at least the first visit to the er in any given year...it will cost you big time if you have one of these so called "affordable Obamacare plans" if you have to go to the er... from the healthcare.gov website/the only plans offered in NC is with Blue Cross Blue Shield...the deductible amount for each plan is after the plans name.. Blue Advantage Bronze 5500 ER Visit: No Charge after deductible Blue Advantage Bronze 2700 ER Visit: 20% Coinsurance after deductible Blue Advantage Bronze 5000 ER Visit: 20% Coinsurance after deductible Blue Advantage Silver 3000 ER Visit: 30% Coinsurance after deductible the above r the lower cost plans for NC offered on healthcare.gov |
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Edited by
Sojourning_Soul
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Mon 12/09/13 07:57 AM
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for those switching to Obamacare, one needs to be careful because as they say, the devil is hidden in the details... The lower cost Obamacare policies (at least in my state)that are being publicly marketed and hailed as "affordable" not only have high deductibles($2700 to $5500)but also have 20% to 50% co insurance for just an er visit to the hospital...that means a simple er visit could cost you up to the deductible amount because co insurance doesn't pay anything until the deductible is met. in NC, I have found that just about all the bronze plans have co insurance for an er visit and the lower cost silver plans do too...once again, these plans are being marketed as "affordable". that is ridiculous...the law should be that all plans have a flat rate co pay for at least the first visit to the er in any given year...it will cost you big time if you have one of these so called "affordable Obamacare plans" if you have to go to the er... from the healthcare.gov website/the only plans offered in NC is with Blue Cross Blue Shield...the deductible amount for each plan is after the plans name.. Blue Advantage Bronze 5500 ER Visit: No Charge after deductible Blue Advantage Bronze 2700 ER Visit: 20% Coinsurance after deductible Blue Advantage Bronze 5000 ER Visit: 20% Coinsurance after deductible Blue Advantage Silver 3000 ER Visit: 30% Coinsurance after deductible the above r the lower cost plans for NC offered on healthcare.gov When you sit in a marbled chamber with a million+ dollar bank account, an expense account, opt out of the law you pass keeping your 70% employer (taxpayer) contribution, what's not "affordable" about it? |
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Plans with lower premiums will have higher deductibles and copays. This isn't just with Obama care. If you want lower deductibles and copays, you're going to have to pay higher premiums.
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Plans with lower premiums will have higher deductibles and copays. This isn't just with Obama care. If you want lower deductibles and copays, you're going to have to pay higher premiums. True...but CO INSURANCE is different from a co pay...any policy where one has to meet their deductible for a simple trip to the er is practically worthless...sooner or later just about everyone ends up there...and these are the policies marketed by the insurers as examples of Obamcare rates...trying to prove how cheap Obamacare coverage is when in actually that is nothing but BALONEY... an Obamacare plan for an individual that had a grandfathered plan in NC runs close to twice as much for equivalent coverage... |
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Plans with lower premiums will have higher deductibles and copays. This isn't just with Obama care. If you want lower deductibles and copays, you're going to have to pay higher premiums. True...but CO INSURANCE is different from a co pay...any policy where one has to meet their deductible for a simple trip to the er is practically worthless...sooner or later just about everyone ends up there...and these are the policies marketed by the insurers as examples of Obamcare rates...trying to prove how cheap Obamacare coverage is when in actually that is nothing but BALONEY... an Obamacare plan for an individual that had a grandfathered plan in NC runs close to twice as much for equivalent coverage... My plan covers preventative care. For ER visits, the deductible would have to be met before coinsurance kicks in. This is not an Obama care plan. |
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i'm not for barrycare, but i can understand why they charge a high deductible/co-pay...that will slow down the people with a cold trying to get into a hospitable/emergency rooms...if they didn't do this, the hospitals would be flooded with hypochondriacs just wanting some attention and break the country...
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Plans with lower premiums will have higher deductibles and copays. This isn't just with Obama care. If you want lower deductibles and copays, you're going to have to pay higher premiums. True...but CO INSURANCE is different from a co pay...any policy where one has to meet their deductible for a simple trip to the er is practically worthless...sooner or later just about everyone ends up there...and these are the policies marketed by the insurers as examples of Obamcare rates...trying to prove how cheap Obamacare coverage is when in actually that is nothing but BALONEY... an Obamacare plan for an individual that had a grandfathered plan in NC runs close to twice as much for equivalent coverage... My plan covers preventative care. For ER visits, the deductible would have to be met before coinsurance kicks in. This is not an Obama care plan. so it probably takes a significant pain for you to seek treatment in the er...that could be dangerous unless you have other options...there r not any urgent cares where I live that are open at nite so the er is the only option...an adequate plan should certainly have a copay of $150 to $250 for a er visit not a co insurance after one meets the deductible...looks to me that when people get on these Obamacare plans and end up at the er(since many are on subsidies) they are going to default and not pay those bills because they can't...does that really improve healthcare in the US? |
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Edited by
crickstergo
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Mon 12/09/13 09:36 AM
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i'm not for barrycare, but i can understand why they charge a high deductible/co-pay...that will slow down the people with a cold trying to get into a hospitable/emergency rooms...if they didn't do this, the hospitals would be flooded with hypochondriacs just wanting some attention and break the country... not talking about co pays...but co insurance for a er visit where you have to meet your deductible first...don't think many understand how choosing such plans could end up costing thousands... |
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i'm not for barrycare, but i can understand why they charge a high deductible/co-pay...that will slow down the people with a cold trying to get into a hospitable/emergency rooms...if they didn't do this, the hospitals would be flooded with hypochondriacs just wanting some attention and break the country... not talking about co pays...but co insurance for a er visit where you have to meet your deductible first...don't think many understand how choosing such plans could end up costing thousands... Nancy pelosi already told us... if you want to know whats in it, just read it... didn't that give anyone a clue? |
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