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

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  •  So lets say I estimate $2,000 in medical bills (1+ / 0-)
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    for the year.

    Under platinum I pay OOP $200 and under bronze it is $800.

    Is this right?

    •  No (0+ / 0-)

      See below.

      "Well, I'm sure I'd feel much worse if I weren't under such heavy sedation..."--David St. Hubbins

      by Old Left Good Left on Sun Oct 06, 2013 at 04:33:59 PM PDT

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    •  Deductible has to be satisfied first (0+ / 0-)

      So under any health plan the deductible must be paid and then coverage kicks in. So a family plan with a $6000 individual deductible and a family $12700 (pretty common among the Texas plans I saw) then once you personally hit $6000, the cost sharing comes in (bronze 60% insurance, 40% you, gold 80% insurance, you 20% etc.) But the out of pocket $6350 kicks in pretty fast which is the total you will pay (at least for in network. I do not know about limits to out of pocket out of network costs or specialty drugs not on a formulary). In general we have a Rolls Royce health care system and people with employer subsidized plans have been shielded from a lot of the costs. So we think in terms of insuring a Kia instead of our 18 year old's Corvette.

    •  Those numbers are just averages (0+ / 0-)

      If you only have $2000 in medical costs, under a bronze plan you will probably have to pay most, if not all of it.

    •  The 90, 80, 70, 60 percentage numbers... (1+ / 0-)
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      are actuarial numbers of what the average person might utilize in the way of health costs. The odds that you will have a catastrophic illness are rather slim; odds are far higher that you might need to see a specialist during the year but of course that doiesn't cost nearly as much as a heart attack. You have to look at the actual plan you're considering to determine how those $2000 in medical expenses would be split between you and the insurance co. The bronze type plan would almost certainly have a deductible higher than $2000.

      Just another faggity fag socialist fuckstick homosinner!

      by Ian S on Sun Oct 06, 2013 at 06:06:11 PM PDT

      [ Parent ]

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