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 > Affordable Health Care Act

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Gale Hawkins

Murray, KY

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Posted: 10/04/13 12:34pm Link  |  Print  |  Notify Moderator

The debugging phase will be three years I expect before we will see the real ACA options. I am looking and reading but even our agent of many years does not know what tomorrow may bring.

The private options are leaving fast from what I read in all of the confusion.

Something has to give. For a family of four with Blue Cross plan we pay $12,000 annually in premiums and the first $5000 of services but do get some 'wellness' services.

I read the young and healthy with ACA are getting soaked but I am not in that group.

fla-gypsy

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Posted: 10/04/13 12:36pm Link  |  Print  |  Notify Moderator

earlvillestu wrote:

"Total out of pocket" is not the same as "deductible." There is no ACA compliant plan that doesn't "pay a dime" until the policy holder has spent $13,000.


Never say never!


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TechWriter

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Posted: 10/04/13 12:43pm Link  |  Print  |  Notify Moderator

fla-gypsy wrote:

earlvillestu wrote:

"Total out of pocket" is not the same as "deductible." There is no ACA compliant plan that doesn't "pay a dime" until the policy holder has spent $13,000.


Never say never!


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orfsotr

Missouri

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Posted: 10/04/13 03:28pm Link  |  Print  |  Notify Moderator

If you are happy with your current insurance plan why not just keep it? I got a letter from my insurance co stating that since I already had coverage I did not need to change it unless I elect to do so.

rexlion

Broken Arrow OK

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Posted: 10/04/13 03:51pm Link  |  Print  |  Notify Moderator

The plans can have different copays, deductibles, and max out of pocket numbers depending on if you're in network or out of network. The key is to get their list of in-network providers, look to see if there's a decent selection in all the areas you like to frequent, and try to go to the in-network providers if you need care in whatever geographic area you're in. I think nearly any plan will have providers throughout the country, but some companies may have more or better selections than other companies.

My health insurance co. says I can sign up in December for 1 more year of a non-ACA-compliant plan, and I may do that. The rate is almost half that of their most comparable ACA plan. But I still want to look at the federal incentives before I decide.

BarbaraOK

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Posted: 10/04/13 04:06pm Link  |  Print  |  Notify Moderator

sdianel wrote:

So far the state exchanges don't seem to be cheaper than purchasing insurance on the open market. You might consider getting a quote from Blue Cross Blue Shield or any national insurance company that will cover out of state costs. As long as the plan you purchase meets the new ACA requirements. Then you can compare the plans offered on the state exchange. It's my understanding that you must purchase on your home state exchange as most can't sell across state lines. Plan to pay high rates and high deductibles. Saw one ACA example, male, pre-existing Diabetes, income $45-55K, premiums $597 per month with $13,998 in deductibles before the "insurance" paid one cent.


First of all pre-existing conditions are no longer considered. And what type of tax credits will this person get. There are credits for families up to 400% of poverty level.

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RVUSA

Orlando, FL, USA

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Posted: 10/04/13 05:08pm Link  |  Print  |  Notify Moderator

orfsotr wrote:

If you are happy with your current insurance plan why not just keep it? I got a letter from my insurance co stating that since I already had coverage I did not need to change it unless I elect to do so.


I read a news article the other day that was interesting. It looked at the other side of that coin. If you have a work policy and find a better deal on the exchange, can you drop the work one. Answer: No.

I thought the whole premise was to lower costs. Apparently not.

westernrvparkowner

montana

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Posted: 10/04/13 06:32pm Link  |  Print  |  Notify Moderator

earlvillestu wrote:

"Total out of pocket" is not the same as "deductible." There is no ACA compliant plan that doesn't "pay a dime" until the policy holder has spent $13,000.
Don't exactly know what you are referencing. I looked at the plans available under the Montana exchange and for the two of us, the silver plans run about $1100 per month, plus have a $3250 deductible before hitting the co-pay benefits. That means putting out over $16,000 per year before benefit 1. Our current BCBS plan is cheaper with better coverage, but might be discontinued. If so, we would have to look to take on an exchange plan and pay more for less. Wonderful system. BTW, I have been trying since the exchange went live to enter an application to see if we will qualify for a subsidy, or if I can create a small business plan that will be cheaper than my individual plan and I cannot find a way to get past the "we are busy and will transfer you as soon as possible, don't log out or you will lose your place in line" page. I left it up for two hours last night, from 11:30 PM to 1:30 AM Mountain time, and never got transferred. Called the help number and got a message saying they servers are overloaded, it is a known problem, and they are supposedly working on it. Hasn't inspired a lot of confidence to me.

Gale Hawkins

Murray, KY

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Posted: 10/04/13 06:34pm Link  |  Print  |  Notify Moderator

Folks from what I can read it will be three or more years before the rules even start to stabilize and the early trend is to dump staff especially the retired ones to ACA. Again until the ones in DC can agree at best the future is a guess.

ACA is here to stay in some shape or form. The nice thing for us older ones with major health issues the 20-40 year old group will pay much more than before so we can play less than before. I doubt if our current mess is actually related to ACA by more than 10% but is mainly posturing for the debt ceiling debate in a couple weeks. It makes we sick that we have to borrow every month to pay for the rent we are already be on.

pawatt

Brainerd MN / Palmview TX

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Posted: 10/04/13 07:37pm Link  |  Print  |  Notify Moderator

It is a great deal for anyone with preexisting conditions who could not get insurance before.

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