Okay.. so I wanted to have a thread where each can talk about their experience shopping on the exchange for insurance in their state/County.
Be nice .. please
I looked at Platinum level , as I use insurance more because i have pre-existing condition.
I live in PA
Platinum Plan $290.97/month for me (without tax credit or subsidies) - (son is covered on Chip)
My medication is tier 4 ( I called to double check) so it's $50/month (which is typical for what I've had in the past and currently)
$30 specialist
$15 PCP
THat is PHENOMINAL..
and my doctor (my endo) is in network.
For a family (you, spouse and kids) $815.44
Again.. PHENOMINAL. Way better than the previous individual markets.
So I've had a positive experience.
Highmark offers a platinum for a little over $300 with a $500 deductible. Haven't looked into what the prescriptions will cost me a month but primary and specialist are covered 90% after deductible.
Comparison to now:
I'm covered on PCIP plan (bridge plan till 2004) .. had to meet a deductible ( I believe it was $1500). Insulin out of pocket $100 for a 3 months supply (if ordered through mail order). Copay with specialst $30.. not sure about Primary care because I haven't had to see mine.
I did get a little screwed this past year because i had the state sponsored Pre existing plan at the beginning of the year and met that deductible, then they swithced me into the national and i had to meet deductibles twice this year (grrr).. but still grateful to have had insurance at all considering...
My fiance currently pays about $400/month for a plan with deductibles. So he will be making out better on the exchange as well (his insurance is one that will be cancelled on Jan 1st). Funny.. they tried to get him to "lock in this years rates for another year) before the exchange came out. If he did, he would be paying over $100 more AND have to meet deductibles again. So I'd say he's getting a better deal as well.
Please share your experience.... State, plans and costs, etc. and how it compares to what you have (if you have) now.
Please only respond if you are someone that has to shop on the individual market and arent covered by your employer.
THanks