I think the coverage differences have more to do with providers and networks, rather than metal levels. So - using your auto warranty analogy - you have to make sure the warranty covers work done at the dealership you'd like use.
I originally stated this thread to see if there are differences between Platinum, Gold, Silver and Bronze plans.
I know there are cost differences, and at this point I am not worried about that.
I was worried about having a bronze plan, and then going to the Doctor and having the Dr. say, too bad that isn't covered. If you would have purchased the upgraded plan, it would have been. You purchased the heart friendly plan, not the cancer friendly plan.
It appears that the plan coverage is NOT like an extended automobile warranty. Some auto warranty plans cover electronics, some do not.
Right. In other words, there are no differences in what is covered, just how big the provider network is, for all ACA compliant individual insurance plans.I think the coverage differences have more to do with providers and networks, rather than metal levels. So - using your auto warranty analogy - you have to make sure the warranty covers work done at the dealership you'd like use.
You do need to stay aware of provider network changes as this article shows.I originally stated this thread to see if there are differences between Platinum, Gold, Silver and Bronze plans.
I was worried about having a bronze plan, and then going to the Doctor and having the Dr. say, too bad that isn't covered. If you would have purchased the upgraded plan, it would have been. You purchased the heart friendly plan, not the cancer friendly plan.
It appears that the plan coverage is NOT like an extended automobile warranty. Some auto warranty plans cover electronics, some do not.
Reference: UnitedHealth, Ochsner cutting ties, likely leaving 3,000 in N.O. area without local health provider | The Advocate — Baton Rouge, LouisianaWith UnitedHealth already set to end its “Obamacare” health coverage in Louisiana next year, the insurance giant is now pulling the plug early with Ochsner Health System, apparently forcing close to 3,000 patients in south Louisiana to decide between paying hefty out-of-pocket medical expenses or driving more than an hour to visit a doctor.
Taking Ochsner — Louisiana’s largest nonprofit health care system — out of the fold only five months into the 2016 health insurance period is going to be a hassle for UnitedHealth’s members in metro New Orleans, some state and health care industry officials said.
The two companies said Friday they were unable to reach a compromise for Ochsner to continue in UnitedHealth’s public health insurance exchange program. In a statement, UnitedHealth called it a “routine renegotiation” of a contract.
In a letter to its local customers, UnitedHealth said members of its so-called “Compass” program would have in-network care available elsewhere in the state. But the six facilities it listed are all at least an hour’s drive from New Orleans.
State Insurance Commissioner Jim Donelon downplayed the shake-up, saying that providers and insurers are free to make such changes at any time. Some patients, such as someone who is pregnant or undergoing treatment for an acute condition, may be able to remain with Ochsner for an additional three months, he said.
“It’s going to happen more and more, and if negotiations are not on the same contract timeline as open enrollment, you’re going to see this happen in more states across the country.”
I originally stated this thread to see if there are differences between Platinum, Gold, Silver and Bronze plans.
I know there are cost differences, and at this point I am not worried about that.
I was worried about having a bronze plan, and then going to the Doctor and having the Dr. say, too bad that isn't covered. If you would have purchased the upgraded plan, it would have been. You purchased the heart friendly plan, not the cancer friendly plan.
You obviously have either no or a very skewed understanding of ACA because you are not even in the right ballpark.
Please explain how ACA makes premiums for those who work higher than for those who do not? Premiums for those who work were high before ACA and continue to be high but they didn't spike dramatically. If anything, ACA has reduced increase for group plans because of less cost shifting.
As Michael indicated, the increases in health insurance premiums is a function of increase in the cost of health care services.
Very simple ACA premiums are income based..go to gov healthcare site and put in a fictional family of 4 and incomes of 30, 60 and 100k you'll get three differ sets of prices.
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emphasis addedSir with respect I beg to differ.. ACA is a tax plan that penalizes those who work for a living by making them pay higher premiums for those who do not or can not. This is not a political comment but simply a statement of fact. .....
These posts always seem to degrade into arguments over whether the ACA is fair or not. If someone wants to re-argue it, I'd suggest starting another post in the political topics. The OP was asking a specific question about how to evaluate a plan.