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Old 12-04-2013, 02:44 PM   #41
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This is one more reason why I am happy with our HMO, which runs it's own offices, clinics, labs, and hospitals. They'd have trouble declaring something in their facilities to be out of network...
Kaiser? Sure sounds like them....
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Old 12-04-2013, 04:50 PM   #42
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Perhaps the rules for allowing "special enrollment periods" for status changes should be changed to include having a doctor who is no longer in-network. Either that or the open enrollment frequency should change to be the same as the frequency in which providers can go in and out of network. If they want to promote and encourage use of in-network providers.....
I've always thought this was a fair arrangement for both individuals and carriers. If a carrier expands their network between OE periods, they should be able to promptly reap the benefits by gaining market share. OTOH- to significantly contract networks after folks have signed on suggests a "bait & switch" since the consumer has lost access to providers they believed they were buying access to. Perhaps a novel approach for future consumer protection litigation?
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Old 12-04-2013, 04:52 PM   #43
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Perhaps the rules for allowing "special enrollment periods" for status changes should be changed to include having a doctor who is no longer in-network. Either that or the open enrollment frequency should change to be the same as the frequency in which providers can go in and out of network. If they want to promote and encourage use of in-network providers.....
Good idea.
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Old 12-04-2013, 06:45 PM   #44
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I have also applied for a United Healthcare HSA 10K ded plan. Wife and I are waiting for approval. At age 59/60 are premium (so far) is $412 a month. We have are fingers crossed. ACA compliant bronze plan is over $1000 a month.
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Old 12-04-2013, 08:22 PM   #45
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I have also applied for a United Healthcare HSA 10K ded plan. Wife and I are waiting for approval. At age 59/60 are premium (so far) is $412 a month. We have are fingers crossed. ACA compliant bronze plan is over $1000 a month.
$412 per month for the two of you is a great rate.

We're a few years younger 54/58 and we will be paying $650 a month combined for our ACA bronze plans with 5K each deductible in TX. Prices do seem to vary widely.

I'm too lazy to go run a quote for 58/60 but maybe I should......
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Old 12-05-2013, 10:16 AM   #46
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Kaiser? Sure sounds like them....
This is what I was thinking, too. We're a longtime customer of Kaiser Permanente. They do contract with outside providers, however. My husband had to see a cardiologist - and saw someone at Scripps (another hospital/network in San Diego), who was billing to Kaiser for their overflow. But for the most part, the staff are salaried employees of Kaiser, and the facilities are owned by KP.
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Old 12-05-2013, 10:48 AM   #47
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I have also applied for a United Healthcare HSA 10K ded plan. Wife and I are waiting for approval. At age 59/60 are premium (so far) is $412 a month. We have are fingers crossed. ACA compliant bronze plan is over $1000 a month.
$412 per month for the two of you is a great rate.

We're a few years younger 54/58 and we will be paying $650 a month combined for our ACA bronze plans with 5K each deductible in TX. Prices do seem to vary widely.

I'm too lazy to go run a quote for 59/60 but maybe I should......
I did finally run it. For 59/60 the combined premium for our $5K each ded ACA Bronze HSA compatible plan would be $733 a month. Not nearly as bad as $1000+ per month, but still quite a bit higher than $412 a month.
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Old 12-05-2013, 10:50 AM   #48
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I did finally run it. For 59/60 the combined premium for our $5K each ded ACA Bronze HSA compatible plan would be $733 a month. Not nearly as bad as $1000+ per month, but still quite a bit higher than $412 a month.
What a difference! Try running it for zip code 43123, Ohio.
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Old 12-05-2013, 10:55 AM   #49
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I did finally run it. For 59/60 the combined premium for our $5K each ded ACA Bronze HSA compatible plan would be $733 a month. Not nearly as bad as $1000+ per month, but still quite a bit higher than $412 a month.
Those are the BCBS rates per person for us in S FL (60/62, similar coverage level).
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Old 12-05-2013, 11:03 AM   #50
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What a difference! Try running it for zip code 43123, Ohio.
Unfortunately, they want way too much info to get a quote in Ohio. But I believe you anyway!
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Old 12-05-2013, 11:06 AM   #51
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Those are the BCBS rates per person for us in S FL (60/62, similar coverage level).
I'm moving from Ohio to Florida so I'm looking for the best price for next year. In Highlands County Fl., the best ACA rate I can find is $992.88 for a $12,500 ded plan. If my UHC plan get underwritten, it will be out of Ohio.
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Old 12-05-2013, 11:10 AM   #52
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Unfortunately, they want way too much info to get a quote in Ohio. But I believe you anyway!
I need to move to your area. In Ohio, our rates start at $1048.43.
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Old 12-05-2013, 11:19 AM   #53
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I need to move to your area. In Ohio, our rates start at $1048.43.
Sounds like MichaelB is finding similar rates to TX in FL.

It's always a good idea to check directly with the insurance companies available in your expected county as opposed to only looking via Healthcare.gov. There may be more plans available "off exchange" if you don't qualify for a subsidy.
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