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Sounds like a great plan, that is until you find out that what you need treatment for isn't covered under your super cheap plan and you have to cover all costs out of pocket.
Sounds like a great plan, that is until you find out that what you need treatment for isn't covered under your super cheap plan and you have to cover all costs out of pocket.
Which is what you would have to do if you pay the penalty and not buy into the ACA. Here is the list of things that must be covered at a minimum:
• Outpatient/ambulatory patient services
o Provider office visits
o Outpatient surgery (facility and provider)
o Anesthesia services
o Chronic disease treatment
• Emergency care
o Emergency room
o Transportation
• Hospitalization
o Inpatient facilities and providers, including surgery
o Inpatient laboratory and medications
• Maternity and newborn care (maternity must be included in at least one state-based plan)
o Obstetrician visits and other physician care
o Hospital costs
o Newborns added to their parent’s policy are covered from the moment of birth, regardless of
health condition
• Mental health and substance use disorder services
o Inpatient evaluation, diagnosis, and treatment
o Outpatient evaluation, diagnosis, and treatment
o Must be in accordance with mental health and substance use disorder parity rules
• Prescription drugs
o Generic
o Brand-name
o Specialty drugs
• Rehabilitation treatment
o Hospital-based rehabilitation
o Outpatient and office-based rehabilitation
• Laboratory services
o Diagnostic laboratory
o Diagnostic and therapeutic radiological services
• Preventive care
o Physicals
o Immunizations
Sounds like a great plan, that is until you find out that what you need treatment for isn't covered under your super cheap plan and you have to cover all costs out of pocket.
Bottom line is that I wouldn’t be paying for other people’s stuff. That is attractive.
Sounds like a great plan, that is until you find out that what you need treatment for isn't covered under your super cheap plan and you have to cover all costs out of pocket.
Which is what you would have to do if you pay the penalty and not buy into the ACA. Here is the list of things that must be covered at a minimum:
• Outpatient/ambulatory patient services
o Provider office visits
o Outpatient surgery (facility and provider)
o Anesthesia services
o Chronic disease treatment
• Emergency care
o Emergency room
o Transportation
• Hospitalization
o Inpatient facilities and providers, including surgery
o Inpatient laboratory and medications
• Maternity and newborn care (maternity must be included in at least one state-based plan)
o Obstetrician visits and other physician care
o Hospital costs
o Newborns added to their parent’s policy are covered from the moment of birth, regardless of
health condition
• Mental health and substance use disorder services
o Inpatient evaluation, diagnosis, and treatment
o Outpatient evaluation, diagnosis, and treatment
o Must be in accordance with mental health and substance use disorder parity rules
• Prescription drugs
o Generic
o Brand-name
o Specialty drugs
• Rehabilitation treatment
o Hospital-based rehabilitation
o Outpatient and office-based rehabilitation
• Laboratory services
o Diagnostic laboratory
o Diagnostic and therapeutic radiological services
• Preventive care
o Physicals
o Immunizations
You do realize that there is no penalty any longer, right?
States should just do whatever is best for their citizens and ignore O-Care. No different than states ignoring drug or immigration laws.
Bottom line is that I wouldn’t be paying for other people’s stuff. That is attractive.
Attractive, but not necessarily the case. By going with a large group you get a big discount. And if you have pre-existing, or subsequently need expensive care, then you 'win' and others pay for you.
The OP is good for the low HC risk population that stays well. A very large group.
Sounds like a great plan, that is until you find out that what you need treatment for isn't covered under your super cheap plan and you have to cover all costs out of pocket.
Quote:
Originally Posted by Toyman at Jewel Lake
You do realize that there is no penalty any longer, right?
States should just do whatever is best for their citizens and ignore O-Care. No different than states ignoring drug or immigration laws.
Of course I realize that but it won't happen until next year. And am in agreement with you on state's rights. My point in posting the list was that it is pretty inclusive of what most people would want without crap they don't.
i know, it's like.. i could sit here and explain to him how insurance works, but what would be the point?
we all know good and well that when he's laying in a hospital bed, bleeding, he's not going to say "Only give me the care that I can afford!"
When he does he will have to pay for it. Why is it your business what he does?
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