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Prepare for more insurers go belly up because of Obamacare. You can't have a Govt mandated system forcing private insurers to accept the poor and try to force the middle class to pick up the tab. The end result is more people using services and less people paying for the plans and somebody has to pickup the tab.
Color me not impressed. I went onto NY state of health and found I would be paying $308/mo for a bronze plan for a 33 year old male.
That is because you live in NY. Your governor just mandated that insurance companies pay for sex change operations to anyone who wants one. Where I live now, you can get a bronze plan for $150 a month.
This country has done some stupid things, but the stupidest has to be the privatization of the health care system run by a Byzantine system of insurance companies.
The entire world has shown that the best AND CHEAPEST system is a government run, single payer health care system but yet we allow bought politicians to give us this load of tedious bureaucracy posing as health care.
All that was needed was to include every citizen from birth to death in the Medicare system, tried and tested for half a century, but the bought baboons in Washington gave us expensive nonsense instead to enrich themselves and the coffers of the insurance companies who pay to elect them.
I have employer sponsored healthcare so I am not too well versed in the obamacare area, but my gf who I live with, pays almost 400 a month for a bronze plan that covers absolutely nothing until she hits 4,000 deductible, so basically she has to come out of pocket almost 9,000 before the insurance pays a dime... And this is affordable healthcare? ... We are very middle class, it's ridiculously fustrating paying for the poor, when your a few pay checks away from being poor yourself, this country is going to ****- 2 frustrated New Yorkers
A BRONZE PLAN in ny is 200-300 a month . with 3k-4k deductible 6k-8k out of pocket for an individual
many things do not have a deductible or out of pocket .
you can get a comprehensive exam every year and you pay nothing .
the out of pockets do not have to be hit before you are covered . out of pockets are just the max's before everything is covered 100% and you pay nothing else . but most things do have coverage .
on the other hand i have a gold plan with lower deductibles and out of pockets but i pay over 500 a month so the bronze is a lot less and you save thousands if you are healthy .
here is an example of bronze
so as an example if you were admitted to the hospital you would be responsible for the entire bill up to the out of pocket limit . but as an out patient you can see doctors and specialists , have lab tests etc and the out of pockets don't come in to play other then anything you pay out counts towards them .
In Network Benefits
Office Co-pay
30%
after deductible
Specialist Co-pay
30%
after deductible
Hospital
30% after ded
Emergency Room
30% after ded
Referals Needed
No
Rx: Generic/Brand/High Brand
$15/ $35/ $75 after ded
In-Network Deductible
$4,450
In-Network Co-Insurance
30%
Max Out of Pocket
$6,450
Last edited by mathjak107; 12-18-2015 at 04:23 PM..
many things do not have a deductible or out of pocket .
you can get a comprehensive exam every year and you pay nothing .
the out of pockets do not have to be hit before you are covered . out of pockets apply mostly to in hospital treatment .
You are probably looking at a different type of plan than miklflye3. If you look at something like CareConnect Bronze, which is around $335 per month (silver is around $360), then yes, you do have to pay for almost everything before you hit your deductible, including any visit to a doctor (with the exception of the yearly physical).
So if you have a stomach ache, and you go for a GP visit, you could get a bill for $200 than you have to pay (yes, it's less than the $450 that the doctor submits to the insurerer, but still it's $200) plus then if they run lab tests to see why you're having the stomach problem, then you pay $200 or $300 for that (yes, it's less than the $1000 the labs submit to the insurer but you still have to pay the $300) and on and on until you hit the deductible, which could be around $2000 or $4000 for the plan.
It's still worth it to get the insurance, because if you didn't have it then you'd be stuck with whatever bill the doctor wants to give you -- there is no intermediary to reduce the $450 to $200 or the $1000 lab bills to $300. (these are based on real examples from a good friend)
This friend decided on CareConnect because the Affordable Care Act Emblem plan she had before was horrendous. So with CareConnect you're really limited as to which doctors and hospitals you can use, but at least you can get an appointment, and you don't have to get referrals for specialists.
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