Originally Posted by John Galt III
Maybe this is urban myth, but I read somewhere that the first 3 letters of your insurance ID can (sometimes?) allow the provider to tell whether you are on an Obamacare policy or not.
I really don't know about the 3 letter and I'm not sure how your are defining "Obamacare", but I'd bet it is real easy to know the network that your insurance covers. I'm not sure if they could tell if you bought the plan on or off exchange. I've checked 2 major insurers now in my state and both offer the same plans on and off exchange for individual with the same network. One of them also offers other plans for individuals (direct) that have different networks from the exchange.
Originally Posted by Dogman
Maybe some clarity will help. After reviewing all plans, talking to my doctors, and what hospitals they service I chose Cigna Access Plus HSA Bronze 6000 plan that was closest to my plan in 2015. The cost was increased by 1,500.00 in Phoenix AZ. I contacted my doctors and asked them directly what insurance plan works best at their office. I was told if you chose an ACA/ObamaCare plan will not accept you as a patient any longer. I could have gotten an ACA plan, but the price was not much different but it included only HMO plans to doctors that no one I know had heard of and most name were extremely foreign. I chose to pay more for confirmed coverage with the doctors and hospitals I know. If I have a heart attack I did not want to have the lower care afforded by the ACA.
I think I understand what you are telling me, with the exception of how you define a ACA/Obamacare plan. If you mean "on exchange", then I think that you are missing the real point. I checked two major insurers in my state. Both offer the same plans that are on the exchange for direct purchase by individuals. One of them offers additional individual plans for direct purchase that have larger networks. If you were to buy a plan direct that is also on the exchange, you would still have your network problem. So, if ACA means on exchange, this invalidates what you claim since the same thing happens on or off exchange. If you buy a direct plan that has a larger network, your doctors may ... or may not be on that network depending upon your doctor's choice of accepting it.
Now if ACA means complying with the ACA law... I throw out that the plan you purchase likely complies with the law.
I don't think what you are seeing is that much more than what happened in the 1990's when my employer changed insurance carriers and we had to shift doctors or be out of network. It's been well publicized that you should check if you doctors participate in your insurance plan every year and when you change plans.
I think your doctors just know they don't take what is on the exchange. I would expect there are many other insurance plans they don't accept either.
But I'm pretty confident they would not take the exchange plans purchased directly from the insurer.
While $ may provide better care, it is not always true. I had a "high end" medical provider perform substandard work. I've switched to a more moderate end provider that is working out great. I use my reference for better and worse being feedback from a professor who not only practices the field, but teaches at the university. But I agree it is important to stay with providers your trust.