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Post by pierogi on Sept 4, 2014 18:29:11 GMT
Plan C- HMO- Not all Dr's participate, no coverage if you are out of the state. This one actually has a lower premium.
I've been in HMOs all my adult life. During my early 20's, it was the only way I could afford healthcare. We're in an HMO now. Even within the HMO there are different levels of "network," and you can take your costs way down if you stick to first level of preferred pharmacies and primary care docs. If you're out of state, they will cover emergencies. Our HMO really isn't that bad, and our network includes a large teaching hospital and good doctors. If you're inclined, you should check out the physician list and participating hospital network before deciding it's not for you. That said, not all HMOs are the same, and some are better than others. |
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Deleted
Posts: 0
Aug 18, 2025 20:59:31 GMT
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Post by Deleted on Sept 4, 2014 18:42:19 GMT
LOL - I am firmly in the middle and mine goes up every year. We finally switched providers when ours was reaching $16K a year. Now we are back down to about 12K a year. 5K deductable. NOTHING is covered until that point. No prescriptions or anything. We haven't met our deductible since I was having babies (and it was a lot lower then). It's just freakin' crazy. I can handle price increases...after all...costs for everything increase every year. Our insurance has always increased every year. I would love to only have the $10 - $20 increase per pay period that we used to have vs. paying $300 per paycheck additional.
Honestly, I think many people (on the right and left) are getting hit with these increases and these changes to their previously coveted insurance and while people on the right don't mind sharing the news (because we all knew this would happen) the people on the left aren't really sharing their stories because it would be indication that the implementation of the ACA has fucked the middle class. Instead of the poor doing without insurance and basic healthcare, it's now the middle class that can no longer afford to pay for their own medical care. The ACA is no fix to the medical costs being inaccessible and out of control...you've simply got a different group of people that can't afford healthcare.
Edited to add - The ACA took a system that was already broken and instead of creating a fix, just broke it some more.
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Post by mzza111 on Sept 4, 2014 20:13:41 GMT
Just an observation. Many of the refugeepeas that post on the political threads as conservatives are getting the screws with premium increases while liberal refugeepeas are not seeing their premiums go up. So, what's up with that? Firmly on the left here. My company switched from Anthem to Blue Shield. What I pay each month (premium?) went from $80 per month to $84, however, the plans are not comparable. If I kept comparable plans, I would have had to pay $200 per month. That's a huge increase and I wasn't about to pay it. I do not go to the doctor for every sniffle and cough and probably haven't seen a PCP in 3 years. I choose a smaller network plan but luckily my GYN was still available. That's the only doctor I go to on an annual basis so this worked out for me. |
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back to *pea*ality
Pearl Clutcher
Not my circus, not my monkeys ~refugee pea #59
Posts: 3,149
Jun 25, 2014 19:51:11 GMT
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Post by back to *pea*ality on Sept 4, 2014 20:28:54 GMT
Just an observation. Many of the refugeepeas that post on the political threads as conservatives are getting the screws with premium increases while liberal refugeepeas are not seeing their premiums go up. So, what's up with that? Firmly on the left here. My company switched from Anthem to Blue Shield. What I pay each month (premium?) went from $80 per month to $84, however, the plans are not comparable. If I kept comparable plans, I would have had to pay $200 per month. That's a huge increase and I wasn't about to pay it. I do not go to the doctor for every sniffle and cough and probably haven't seen a PCP in 3 years. I choose a smaller network plan but luckily my GYN was still available. That's the only doctor I go to on an annual basis so this worked out for me. You are fortunate to have been blessed with good health. I don't go to the doctor for every sniffle and cough either. However, I have asthma (which right now is under control and requires no special medical attention) an autoimmune thyroid condition that requires I see my doctor more than I would like to. I realize rates vary greatly from state to state but our employee portion of health benefits for a family of three is $800/month. There was a time we had full coverage and paid nothing but this is a small company and they just couldn't keep up with increases. |
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Post by genny on Sept 4, 2014 22:12:50 GMT
So sorry OP, I totally feel your pain. That's just crazy. We are actively shopping now. I got notice from our carrier that DH's premium is going up 179% and mine is going up 101% - the kids are only going up 59% each  All because our plan is not ACA compliant. I have to carry pediatric dental - no matter that we already have a separate dental policy. They have to add a maternity rider - even though neither me nor DH can have kids anymore. Are you kidding me? This is INSANE. We are self employed and this will simply break us. Something has got to change. |
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All because our plan is not ACA compliant. I have to carry pediatric dental - no matter that we already have a separate dental policy. They have to add a maternity rider - even though neither me nor DH can have kids anymore.