Quote:
Originally Posted by blake5676
This was the best post I'd read on the subject. From a different thread on here years ago but nails the subject even though it's quite lengthy.
|
A lot of that quoted post is dead on and solid advice. There are a few things I will pick apart though.
I sold plans in all 50 states and I don't think I'd agree that most advantage plans were HMO. The offerings will change
a lot based on the area of course, but overall I thought the blend was pretty even over HMO, PPO and POS plans.
Second thing is while the info was accurate for the time, I'm not sure you can get a Plan F as a new enrollee anymore. They generally shut the plan off and only keep it active for those already in it and generally jack the costs up to keep you wandering elsewhere. Probably a hell lot more reason to go Plan G today.
If you also get Medicaid, you can get a Dual-Eligible plan that will keep your health coverage free but also can provide you some extra carrier benefits like silver sneakers.
Even if you aren't poor enough for Medicaid but also have a lot of prescriptions, there might be some state programs available that will help pay for part of your drugs.
Quote:
Originally Posted by scho63
Insurance in US is some complicated shit.
|
It's insanely stupid how complicated it all is.
You got the sales people that have to walk a tight rope and make an absurd amount of money selling the complicated plans. Guess who pays for that?
And then you have the people that have to sit there and answer the complex bullshit on the phones to customers. More cost.
Then you have the people at the ins Co that have to process the moon formulas. More money.
People at the doctors office that have to decipher and code within the moon formula. Even more money.
But oh hey, you got
our moon formula wrong. Now it was to be appealed by a different set or people. Bam. Even more.
Beep beep. Here comes prescription bullshit.
But hey, these execs need 40 yachts. Guess who is paying for that, too? Yep. You.
We could do much better but this really is getting near that political line.