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View Diary: * New Day * — Did your health insurance company contact you about ObamaCare? ATTN: Minneapolis! (183 comments)

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  •  ...thanks Actbriniel... (11+ / 0-)

    ...we have 2 1/2 months to figure this out. We have questions for our accountant who will now have to figure out what's what regarding ObamaCare. Until now he decided not to because he was convinced ObamaCare would be done away with (nope).

    Of course, whichever policy you end up getting, the more expensive ones have "up front costs" meaning the premium is higher but then your copay is small when you use it = Bronze is a 60-40 plan, silver a 70-30 plan, gold a 80-20 plan and platinum a 90-10 plan.

    If you can afford to pay for a more expensive plan, that would be the best option IF you have to go to multiple doctors and have tests and procedures done a lot.

    If you don't go to doctors much then a less expensive plan will be the best option...

    Ignorance is bliss only for the ignorant. The rest of us must suffer the consequences. -7.38; -3.44

    by paradise50 on Thu Oct 03, 2013 at 08:23:30 AM PDT

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    •  Yeah from what I've read if you are like me having (5+ / 0-)

      had a diagnosis of cancer I need the platinum plan. The mud one isn't going to get it.

      Though I will say, I have always been good at negotiating with hospitals and getting them to accept only what the insurance pays.

      Tracy B Ann - technically that is my signature. If I had Bill Gates money, I'd buy Detroit.

      by ZenTrainer on Thu Oct 03, 2013 at 09:36:36 AM PDT

      [ Parent ]

      •  ...well it still depends upon what you can... (4+ / 0-)
        Recommended by:
        navajo, ZenTrainer, slksfca, underTheRadar

        ...afford. If you can afford to pay the monthly premium for the platinum plan and you go to docs a lot and need scans and tests a lot...then that IS the choice because it will likely save you money each year. But you really need to have a lot of medical procedures and doctor visits each year for that to be so.

        We can't afford to do that. It's way to expensive. We are almost surely going to get the silver plan (gold looks sweet, but is also beyond our means). The saving grace for us the the maximum deductible each year which is far less than what if is for us now...

        Ignorance is bliss only for the ignorant. The rest of us must suffer the consequences. -7.38; -3.44

        by paradise50 on Thu Oct 03, 2013 at 10:03:42 AM PDT

        [ Parent ]

        •  Actually I cancelled my BC/BS years ago when the (3+ / 0-)
          Recommended by:
          slksfca, paradise50, underTheRadar

          premium as self employed went to over a thousand. It also didn't pay for so many of the doctors I use - Traditional Chinese Medicine and Naturopaths, or the herbs I take rather than scripts.

          I should be eligible for Medicaid but the TN governor is an asshat.

          So, I'll keep doing without. We have this great clinic in town for the working poor that can set up treatment for almost anything for free.

          I don't get scans, my oncologist doesn't like them so I get blood work that is only $112 every 3 months. I get ultrasounds for free for life (I choose those over mammograms.)

          Not as fun as free Baskin Robbins for life but probably healthier.

          Tracy B Ann - technically that is my signature. If I had Bill Gates money, I'd buy Detroit.

          by ZenTrainer on Thu Oct 03, 2013 at 10:44:40 AM PDT

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          •  ...we are (were) in the same boat... (2+ / 0-)
            Recommended by:
            underTheRadar, ZenTrainer

            ...when our policy started costing us over $1000 per month we switched to a cheaper policy (read doesn't even comply by ObamaCare standards) that was about 1/2 the price but also was very limited in what it covered and had a $10,000 deductible (now it's $11,000)...

            Ignorance is bliss only for the ignorant. The rest of us must suffer the consequences. -7.38; -3.44

            by paradise50 on Thu Oct 03, 2013 at 10:52:16 AM PDT

            [ Parent ]

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