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View Diary: Obamacare Metal Level Plans In One Easy Chart (27 comments)

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  •  is this correct? (1+ / 0-)
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    Lujane

    No matter what plan you choose the maximum out-of-pocket for the year is the same?  So in the event of a catastrophic illness, where your bills top $63,000 the coverage would be exactly the same.  Insurance pays all but $6300, for an individual?

    Is it also correct that a yearly gynecological, blood pressure checks etc are all covered 100%?

    •  I was wondering that myself about the max. (1+ / 0-)
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      Istillhope

      If someone anticipates $20,000 in expenses from a pre-existing condition, are they better off paying the lower premium of the Bronze plan since the out of pocket maximums are the same for all plans?

      As to your other question, I'm pretty sure that Obamacare already includes an annual physical, mammogram, colonoscopy, immunizations, birth control and many other things with no co-pay.  I know I didn't have to pay for my colonoscopy last year or mammogram in July of this year.

      This article discusses the preventive services available with no co-pay.

    •  That would have to be verified... (0+ / 0-)

      existing individual plans usually have a deductible, then a separate co-insurance amount (you pay a percentage) until the co-insurance you have paid reaches another $ maximum and than the ins. co pays 100%. So the total you can be out of pocket can vary depending on the plan. Perhaps this has changed with the ACA plans although after seeing some of the Arizona plans, it's still not clear to me.

      Just another faggity fag socialist fuckstick homosinner!

      by Ian S on Sun Oct 06, 2013 at 05:58:45 PM PDT

      [ Parent ]

      •  Out-of-pocket max now supposed to include... (1+ / 0-)
        Recommended by:
        Ian S

        My understanding is that with the ACA the out-of-pocket(OOP) max per year is now supposed to include any deductibles, co-pays and co-insurance paid by the consumer. In other words, everything except premiums and not covered services (like balance bills from out-of-network providers) should be counted toward the OOP max. That is different than the current system in which co-pays and deductibles have not usually counted. I too need to examine more actual plan details as soon as I can access them.

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