explanade
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- Joined
- May 10, 2008
- Messages
- 7,442
When I enrolled for the ACA starting in October, I found a plan, one of the lowest on CoveredCA, which my doctor/medical group (which whom I've been for years) accepted.
For 2015, the insurer said they would no longer offer plans on the CA exchange.
That was about a month ago but now, their plan comes up when I do a search, except the plan is about the middle of the range of Bronze plans, not towards the bottom, price-wise.
Plans have all gone up in price, starting from about $10 more a month. But the plan I enrolled in is about $50 more for 2015, assuming they're going to offer a plan on the exchange, despite what they'd said previously.
Meanwhile, the medical group says they're in negotiations with the insurer. They have not finalized agreements for 2015 with any of the plans offered on the exchange.
So there are a couple of uncertainties there, if I wanted to keep the same doctor.
I searched the network of the cheaper plans offered on CoveredCA. Hard to say if the doctors are better or worse than the one I have. Guess their practices are willing to accept lower reimbursement rates and thus, are in the network of the cheaper plans.
It would cost $50 or more a month to stay on the old plan, keep the current doctor.
I've been with him and the medical group (with a previous doctor who's since retired) for decades. Well with him for about 5 years or so. There's a comfort level, though I go to the doctors maybe 2 or 3 times a year, which includes the annual physical.
So obviously I'd want to keep premiums at a minimum, since I don't anticipate meeting the deductibles barring a catastrophe.
I've been Googling these doctors on the cheaper plans. Some have Yelp ratings, most have info. on their education and so on. On paper, none have particularly better qualifications. They're all board certified in Internal Medicine, not Ivy League graduates but had residencies in hospitals one would recognize.
So I don't know, I'd prefer to keep the same doctor but I'd like to save at least $600 a year in premiums too.
Has anyone changed doctors because of the ACA plans they chose and/or because of the change between employer-insurance and ER insurance?
Seems a lot of people here opt for COBRA, which at least in my case was a lot more than most ACA plans. More benefits of course, like no deductibles, low copays, etc. but I don't visit the doctor enough to benefit from those benefits.
For 2015, the insurer said they would no longer offer plans on the CA exchange.
That was about a month ago but now, their plan comes up when I do a search, except the plan is about the middle of the range of Bronze plans, not towards the bottom, price-wise.
Plans have all gone up in price, starting from about $10 more a month. But the plan I enrolled in is about $50 more for 2015, assuming they're going to offer a plan on the exchange, despite what they'd said previously.
Meanwhile, the medical group says they're in negotiations with the insurer. They have not finalized agreements for 2015 with any of the plans offered on the exchange.
So there are a couple of uncertainties there, if I wanted to keep the same doctor.
I searched the network of the cheaper plans offered on CoveredCA. Hard to say if the doctors are better or worse than the one I have. Guess their practices are willing to accept lower reimbursement rates and thus, are in the network of the cheaper plans.
It would cost $50 or more a month to stay on the old plan, keep the current doctor.
I've been with him and the medical group (with a previous doctor who's since retired) for decades. Well with him for about 5 years or so. There's a comfort level, though I go to the doctors maybe 2 or 3 times a year, which includes the annual physical.
So obviously I'd want to keep premiums at a minimum, since I don't anticipate meeting the deductibles barring a catastrophe.
I've been Googling these doctors on the cheaper plans. Some have Yelp ratings, most have info. on their education and so on. On paper, none have particularly better qualifications. They're all board certified in Internal Medicine, not Ivy League graduates but had residencies in hospitals one would recognize.
So I don't know, I'd prefer to keep the same doctor but I'd like to save at least $600 a year in premiums too.
Has anyone changed doctors because of the ACA plans they chose and/or because of the change between employer-insurance and ER insurance?
Seems a lot of people here opt for COBRA, which at least in my case was a lot more than most ACA plans. More benefits of course, like no deductibles, low copays, etc. but I don't visit the doctor enough to benefit from those benefits.