Senator
Thinks s/he gets paid by the post
From what I see, all major portions of the different metal plans are identical, if purchased through the same company (i.e. Blue Cross, Medica, etc.). The only difference that I can see is the premium, deductible, and max out of pocket costs.
I am a disabled vet (10%), so my main healthcare plan will be from the VA, as it is only ~5 miles from my home. I am planning on getting a private policy just in case I am rushed to the hospital and sit there for a while. I would want the private plan to cover those costs until I can be transferred to the VA. I do not want to deplete my assets due to a major medical emergency that I recover from.
If I can plan for it, or I am lucid enough to tell an ambulance driver where to take me, I can get to the VA emergency care. There is such a thing as getting reimbursed from the VA for private emergency care, but it is not a 100% guarantee at this point. At the VA, I am 100% covered for anything I go in for. Pharmacy is a maximum of $8 per prescription per 30 days.
If I plan for the max out of pocket costs of a private plan, will I be getting the same care no matter what metal plan I choose? Am I missing anything?
Are there any other differences between the metal plans other than the premium, deductible and max out of pocket?
I am a disabled vet (10%), so my main healthcare plan will be from the VA, as it is only ~5 miles from my home. I am planning on getting a private policy just in case I am rushed to the hospital and sit there for a while. I would want the private plan to cover those costs until I can be transferred to the VA. I do not want to deplete my assets due to a major medical emergency that I recover from.
If I can plan for it, or I am lucid enough to tell an ambulance driver where to take me, I can get to the VA emergency care. There is such a thing as getting reimbursed from the VA for private emergency care, but it is not a 100% guarantee at this point. At the VA, I am 100% covered for anything I go in for. Pharmacy is a maximum of $8 per prescription per 30 days.
If I plan for the max out of pocket costs of a private plan, will I be getting the same care no matter what metal plan I choose? Am I missing anything?
Are there any other differences between the metal plans other than the premium, deductible and max out of pocket?