audreyh1
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I have been following and reading a bunch on this site (thanks to everyone for contributing!) but many things are not clear.
I thought that Bronze plans meant 40% or 30% coinsurance for the customer (up to the max out of pocket, I assume), an
But on the BCBS TX site, I only see options for 80% coinsurance (20% from customer) for both the Bronze and Silver plans. The differences seem to be the deductible, with the Bronze plans pretty much having deductible=max out of pocket with no full pay for doctors visits, and the Silver having half the deductible, low fixed copays for doctors visits, and 80% coinsurance (customer pays 20% I assume) up to the max out-of-pocket.
The difference between the Bronze and Silver is essentially $1200 a year, so if you think you'll spend less on your doctors visits, if would be best to just pay the doctor as needed, I would think.
Just wondering why this 40/30/20% I read about doesn't seem to show up on the TX options even though Bronze and Silver are spelled out?
I thought that Bronze plans meant 40% or 30% coinsurance for the customer (up to the max out of pocket, I assume), an
But on the BCBS TX site, I only see options for 80% coinsurance (20% from customer) for both the Bronze and Silver plans. The differences seem to be the deductible, with the Bronze plans pretty much having deductible=max out of pocket with no full pay for doctors visits, and the Silver having half the deductible, low fixed copays for doctors visits, and 80% coinsurance (customer pays 20% I assume) up to the max out-of-pocket.
The difference between the Bronze and Silver is essentially $1200 a year, so if you think you'll spend less on your doctors visits, if would be best to just pay the doctor as needed, I would think.
Just wondering why this 40/30/20% I read about doesn't seem to show up on the TX options even though Bronze and Silver are spelled out?