MaggieD
DP Veteran
- Joined
- Jul 9, 2010
- Messages
- 43,244
- Reaction score
- 44,664
- Location
- Chicago Area
- Gender
- Female
- Political Leaning
- Moderate
Okay, here's a link to a "shopping trip" for Obamacare: https://retailweb.hcsc.net/retailshoppingcart/IL/plans?plantype=majormedical&b=0
I put in my cousin's age (58) and wanted to help her shop. Blue Cross Blue Shield comes up with a variety of plans -- and the premiums don't make sense to me. What am I doing wrong?
Example: The first choice shows a policy available for $302.40 a month (Bronze Plan). $6,000 deductible. $6,000 maximum out-of-pocket. Co-insurance 100% (IOW, after the $6,000, you pay nothing...I think)
The second choice shows a policy available for $302.60 a month (Bronze Plan). $5,000 deductible. $6,250 maximum out-of-pocket. Co-insurance at 80%. Why would anyone buy THAT policy?
WTF is going on? Look at the rest of them. They don't make sense...
I just looked on Blue Cross for SC and NONE of the plans even offer coverage outside the state of SC! What!!! Stupid.
Either the website's screwed up or you're doing something wrong. The above website is Blue Cross and I entered an Illinois zipcode.
Okay, here's a link to a "shopping trip" for Obamacare: https://retailweb.hcsc.net/retailshoppingcart/IL/plans?plantype=majormedical&b=0
I put in my cousin's age (58) and wanted to help her shop. Blue Cross Blue Shield comes up with a variety of plans -- and the premiums don't make sense to me. What am I doing wrong?
Example: The first choice shows a policy available for $302.40 a month (Bronze Plan). $6,000 deductible. $6,000 maximum out-of-pocket. Co-insurance 100% (IOW, after the $6,000, you pay nothing...I think)
The second choice shows a policy available for $302.60 a month (Bronze Plan). $5,000 deductible. $6,250 maximum out-of-pocket. Co-insurance at 80%. Why would anyone buy THAT policy?
WTF is going on? Look at the rest of them. They don't make sense...
No, I know. I was curious what it was for my state.
Let me put on my surprised face.
OMG! This isn't the affordable healthcare that everyone thought it would be? If only somebody had known ahead of time!
Okay, here's a link to a "shopping trip" for Obamacare: https://retailweb.hcsc.net/retailshoppingcart/IL/plans?plantype=majormedical&b=0
I put in my cousin's age (58) and wanted to help her shop. Blue Cross Blue Shield comes up with a variety of plans -- and the premiums don't make sense to me. What am I doing wrong?
Example: The first choice shows a policy available for $302.40 a month (Bronze Plan). $6,000 deductible. $6,000 maximum out-of-pocket. Co-insurance 100% (IOW, after the $6,000, you pay nothing...I think)
The second choice shows a policy available for $302.60 a month (Bronze Plan). $5,000 deductible. $6,250 maximum out-of-pocket. Co-insurance at 80%. Why would anyone buy THAT policy?
WTF is going on? Look at the rest of them. They don't make sense...
Firstly, Maggie, I'll say you live an interesting life.
Secondly, I'm inclined to think you should look at this like you would car insurance. Is your cousin in pretty good health (good driver) and isn't involved in risky activities (doesn't drive fast or gets in lots of fender benders) and has no family history of serious medical issues (did have lousy driver relatives teach him how to drive)? If so, then the plan with the highest deductibles and the lowest monthly premium would be the best bet because she's not looking to access a lot of medical/health services in the course of this year and so she wants/needs to have the coverage for catastrophic illness/accidents, just in case, but she's not worried about having to pay a lot of out-of-pocket health care expenses because she's healthy and lives a healthy lifestyle.
This can change from year to year and she can adjust her deductibles downward and her monthly premium upwards if she finds that's more cost effective. But for the average healthy person, regardless of age, the lowest monthly premium cost is the best bet. In effect, she's gambling she'll stay healthy rather than gambling she'll get sick - always best to take the optimistist approach in any endeavor, I always say.
I think you missed the point. Why would anyone pay 60-cents more a month for just a slightly lower deductible and, instead of 100% covered after deductible, only 80% covered after deductible?
As to my interesting life? That would make the giant assumption that I actually have one.
Sorry, I didn't miss your point but I had no intention of getting stuck in the quagmire that is the Obamacare roll-out. I just wanted to offer some general, always free, worth the price, DP friendly advice.
Always knew you were smart...
Okay, here's a link to a "shopping trip" for Obamacare: https://retailweb.hcsc.net/retailshoppingcart/IL/plans?plantype=majormedical&b=0
I put in my cousin's age (58) and wanted to help her shop. Blue Cross Blue Shield comes up with a variety of plans -- and the premiums don't make sense to me. What am I doing wrong?
Example: The first choice shows a policy available for $302.40 a month (Bronze Plan). $6,000 deductible. $6,000 maximum out-of-pocket. Co-insurance 100% (IOW, after the $6,000, you pay nothing...I think)
The second choice shows a policy available for $302.60 a month (Bronze Plan). $5,000 deductible. $6,250 maximum out-of-pocket. Co-insurance at 80%. Why would anyone buy THAT policy?
WTF is going on? Look at the rest of them. They don't make sense...
I think you missed the point. Why would anyone pay 60-cents more a month for just a slightly lower deductible and, instead of 100% covered after deductible, only 80% covered after deductible?
As to my interesting life? That would make the giant assumption that I actually have one.
Okay, here's a link to a "shopping trip" for Obamacare: https://retailweb.hcsc.net/retailshoppingcart/IL/plans?plantype=majormedical&b=0
I put in my cousin's age (58) and wanted to help her shop. Blue Cross Blue Shield comes up with a variety of plans -- and the premiums don't make sense to me. What am I doing wrong?
Example: The first choice shows a policy available for $302.40 a month (Bronze Plan). $6,000 deductible. $6,000 maximum out-of-pocket. Co-insurance 100% (IOW, after the $6,000, you pay nothing...I think)
The second choice shows a policy available for $302.60 a month (Bronze Plan). $5,000 deductible. $6,250 maximum out-of-pocket. Co-insurance at 80%. Why would anyone buy THAT policy?
WTF is going on? Look at the rest of them. They don't make sense...
Uhm... there are warning signs all over the internet that there are false websites put online that look official but aren't and they'll steal your private info.
That's the real Blue Cross Blue Shield of Illinois site, though.
Okay, here's a link to a "shopping trip" for Obamacare: https://retailweb.hcsc.net/retailshoppingcart/IL/plans?plantype=majormedical&b=0
I put in my cousin's age (58) and wanted to help her shop. Blue Cross Blue Shield comes up with a variety of plans -- and the premiums don't make sense to me. What am I doing wrong?
Example: The first choice shows a policy available for $302.40 a month (Bronze Plan). $6,000 deductible. $6,000 maximum out-of-pocket. Co-insurance 100% (IOW, after the $6,000, you pay nothing...I think)
The second choice shows a policy available for $302.60 a month (Bronze Plan). $5,000 deductible. $6,250 maximum out-of-pocket. Co-insurance at 80%. Why would anyone buy THAT policy?
WTF is going on? Look at the rest of them. They don't make sense...
It's government, Maggie. What else needs saying?
Blue cross blue shield is not the government.
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