We have selected a plan with BCBS with similar coverage and network and could sign up tomorrow. There is no subsidy and the total premium would be about 15% less than what we pay this year.I understand that some people will save money when subsidies are taken into account. But has anybody found competitive prices without subsidies?
In Missouri (KC area), the lowest cost Silver Plan, and the second lowest, are from Coventry. My inputs (male, 57, single, no dependents, non-smoker, MAGI=$16000) show a pre-subsidy premium of $454/mo, or $45 with subsidy. And the cost-savings subsidies result in a $0 deductible with a $1000 out-of-pocket max. The Blue Cross plans have somewhat higher premiums, but the one I've enrolled in has a $250 deductible, and a $500 OOP max, and an excellent network (BCBSKC Blue & U Saver Preferred Care Blue Silver.) The premium will be $160/mo (for a $569/mo plan).
Compare this to my current plan (also with BCBSKC) costing $420/mo, with a $5000 deductible and a $7000 OOP max -- so, essentially just catastrophic coverage, IMO.
Best part of all, though, is being able to enroll in any plan, and not be asked to recite 5 to 10 years of medical history. Amazing.
We have selected a plan with BCBS with similar coverage and network and could sign up tomorrow. There is no subsidy and the total premium would be about 15% less than what we pay this year.
We have also identified another plan with Humana that is an additional 1/4 less and appears to have similar network. They are not ready, though, so we cannot get any details on the plan or network. The most probably outcome is we will sign for one of these two plans, once we return to Florida.
That's is the critical question. BCBS Fl phone reps all say they are PPO. The plan documents say EPO or EPO/PPO. The website product manual for providers (I found it searching) says they all access the same network. That's pretty clear.Just being [-]nosy[/-] curious, but I guess the plans are PPO plans for folks like yourself who spend significant time in different States?
In Missouri (KC area), the lowest cost Silver Plan, and the second lowest, are from Coventry. My inputs (male, 57, single, no dependents, non-smoker, MAGI=$16000) show a pre-subsidy premium of $454/mo, or $45 with subsidy. And the cost-savings subsidies result in a $0 deductible with a $1000 out-of-pocket max. The Blue Cross plans have somewhat higher premiums, but the one I've enrolled in has a $250 deductible, and a $500 OOP max, and an excellent network (BCBSKC Blue & U Saver Preferred Care Blue Silver.) The premium will be $160/mo (for a $569/mo plan).
Compare this to my current plan (also with BCBSKC) costing $420/mo, with a $5000 deductible and a $7000 OOP max -- so, essentially just catastrophic coverage, IMO.
Best part of all, though, is being able to enroll in any plan, and not be asked to recite 5 to 10 years of medical history. Amazing.
That's is the critical question. BCBS Fl phone reps all say they are PPO. The plan documents say EPO or EPO/PPO. The website product manual for providers (I found it searching) says they all access the same network. That's pretty clear.
My uneducated guess is: it is an EPO, which is a two tier network where the [-]victim[/-] policyholder effectively pays less for a tier 1 choice and more for a tier 2 choice. The total of both tiers represent a large network which should satisfy most needs, and even at the higher tier 2 costs, it is far preferable to out of network pricing.
So far, I haven't found nearly enough information from any other insurer to do similar analysis. The multi-state plan option, which is not available yet in Florida, will resolve most of this concern. Very little information available on those.