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Old 01-10-2016, 12:05 PM
 
Location: Sarasota, Fl
809 posts, read 528,730 times
Reputation: 642

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Quote:
Originally Posted by Travelassie View Post
Is this a plan available through the ACA exchange? I see nothing on the download for this plan that shows whether it is or not. They aren't all equal.

Read

https://www.healthinsurance.org/obam...xchange-plans/

"Should you look outside the ACA’s exchanges?"

You'll learn about the world of off-exchange health insurance plans. They no longer have the loopholes that private health insurance had before the ACA.
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Old 01-10-2016, 12:08 PM
 
Location: Spring Hill Florida
12,135 posts, read 13,209,160 times
Reputation: 6009
Quote:
Originally Posted by upgrader View Post
Most people don't understand the full impact of the ACA. The ACA started in 2010 and made plans like 1443C possible. It got rid of rescissions, and other insurance company games.

I have a BCBS plan with 10K deductible and I LOVE IT. Free yearly checkups. When I do pay for healthcare I get BCBS's highly discounted rates, much lower than what I can negotiate myself (even with cash up front). My generic prescriptions are absurdly cheap. Even less than ordering from Canada.

Before the ACA started in 2010 I could only get "liars insurance" at first, and then insurance that excluded my pre-existing conditions.

I really get upset when political rhetoric vilifies the ACA. Yes, guaranteed issue plans from the exchanges can be expensive, but if you can pass a physical you may be able to get off-exchange insurance.
The problem I see is that people dont find out what is available through the Market Place website. https://www.healthcare.gov/subscribe...FQooaQodRMYFfw

The health care act opened doors for diabetics, people with high blood pressure and other conditions that kept millions uninsured, People look at a plan and see $500 a month premiums and write off the AHCA when they need to find out what the subsidy is which can lower the premiums by a huge amount.

There are many plans out there and choosing one that best fits you is something that has to be done.
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Old 01-10-2016, 01:10 PM
 
2,541 posts, read 2,144,658 times
Reputation: 3822
Quote:
Originally Posted by wizrap View Post
What's a Florida resident to do? We've got a large elderly population so those folks are most likely on Medicare. If poor, then Medicaid.
Not in Florida. If poor, then Medicaid only IF you've got kids. Single poor adult with no children? Forget about it. There's no medicaid expansion in Florida.
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Old 01-10-2016, 01:37 PM
 
Location: Florida
2,233 posts, read 1,503,318 times
Reputation: 1861
Quote:
Originally Posted by Spring Hillian View Post
They could have and did.

The AHCA is good for people with little income because they get a large subsidy to pay the premiums. The more you earn the less subsidy.


This plan has great coverage, $500 a year deductible and many ZERO cost services and/or small co-pays. Maximum out of pocket expense is $2,000 a year. Once you hit $2k there are no costs.

Florida Blue 1443C

http://www.bcbsfl.com/DocumentLibrar...2014/1443C.PDF
The plans through AHCA aren't perfect, and I bet the healthcare debate will go on in America for our entire lives, but they do work.

I had a Blue Select plan through the exchanges for the first half of 2015 before I got my employer insurance. The premium was high and I didn't get a subsidy, but that plan help me immeasurably with some terrible health issues I had in the beginning of the year.

And I bought a platinum plan. I got to say that my current employer health insurance is crap compared to what the exchanges gave me. But my employer plan is much cheaper and with my improving health I chose that plan instead.
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Old 01-10-2016, 01:44 PM
 
2,489 posts, read 1,409,938 times
Reputation: 5172
Not all states did a proper job with the exchange and negotiating with companies. Most heavily red states had no interest in the program and there is a good bit of difference between states as a result.

Also, price increases for states that allowed garbage, high profit plans like surgery only saw large increases in averages while others with actual coverage saw no more than normal.

ACA is nothing more than a stop gap to single payer which is where we are heading. Ironic that most that opposed aca and scream socialism will likely vote this election for a candidate that supports single payer (trump).
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Old 01-10-2016, 02:03 PM
 
643 posts, read 466,468 times
Reputation: 1661
Quote:
Originally Posted by Spring Hillian View Post
They could have and did.

The AHCA is good for people with little income because they get a large subsidy to pay the premiums. The more you earn the less subsidy.


This plan has great coverage, $500 a year deductible and many ZERO cost services and/or small co-pays. Maximum out of pocket expense is $2,000 a year. Once you hit $2k there are no costs.

Florida Blue 1443C

http://www.bcbsfl.com/DocumentLibrar...2014/1443C.PDF
Well, that's a 2014 plan. JFTR.

I'm a happy Floridian with finally affordable coverage who was previously denied coverage, and/or told to sign that I would never make a claim on a pre-exisiting condition (in a different state), and here, in FL, only one company would take me, under the former "Cover Florida" program. They charged me an arm and a leg, and then didn't cover me when I needed it one time (because of a doctor's error in diagnosis - which just added insult to injury).

But, Spring Hillian, can you tell us what county that plan covered (using the past tense since it's from 2 years ago)? I would guess Hernando county from your name, but don't want to assume. Also, what the monthly premium was? I did note that the out-of-network deductible was $23,000. Lastly, do you have the same numbers for 2016?

Otherwise, it's not too helpful. Rates have risen on at least some. I shop anew each year.
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Old 01-10-2016, 02:15 PM
 
10,576 posts, read 10,800,889 times
Reputation: 5221
Quote:
Originally Posted by aridon View Post
Not all states did a proper job with the exchange and negotiating with companies. Most heavily red states had no interest in the program and there is a good bit of difference between states as a result.

Also, price increases for states that allowed garbage, high profit plans like surgery only saw large increases in averages while others with actual coverage saw no more than normal.

ACA is nothing more than a stop gap to single payer which is where we are heading. Ironic that most that opposed aca and scream socialism will likely vote this election for a candidate that supports single payer (trump).
Gop congress will never let single payer happen
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Old 01-10-2016, 02:16 PM
 
10,576 posts, read 10,800,889 times
Reputation: 5221
Quote:
Originally Posted by UrbanCrossroads View Post
Not in Florida. If poor, then Medicaid only IF you've got kids. Single poor adult with no children? Forget about it. There's no medicaid expansion in Florida.
False, there are definitely adults without kids who get Medicaid without having had children
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Old 01-10-2016, 02:21 PM
 
2,541 posts, read 2,144,658 times
Reputation: 3822
Quote:
Originally Posted by chopchop0 View Post
False, there are definitely adults without kids who get Medicaid without having had children
Provide a link for that claim.
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Old 01-10-2016, 02:36 PM
 
Location: Spring Hill Florida
12,135 posts, read 13,209,160 times
Reputation: 6009
Quote:
Originally Posted by Travelassie View Post
Is this a plan available through the ACA exchange? I see nothing on the download for this plan that shows whether it is or not. They aren't all equal.
Yes. It is available via the marketplace. I have a relative who cant get group med via husbands job.
She is a SAHM. She has that plan, pays less than $30 a month. Dr visit is $10. It was $20 last year. She pays a coupeof bucks for generic rx, she can see a chiropractor for 35 visits, no charge er.

Check it out.
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