Floralscent
Dryer sheet wannabe
We are early retirement mid to late 2025, relocating to MO and will be 1st time ACA applicants- receiving tax credit. It appears all ACA plans that I find in the state of MO are EPO. I am filtering by monthly premium and deductible maximums.
Coming from employer based health insurance, we don't have experience with EPO coverage and at this time, we don't even have a PCP in MO.
If I understand correctly, with an EPO you are covered in network by providers within the EPO and costs apply toward MOOP. However, any provider outside of the EPO (in MO or out of state) are out of network services and do not apply towards MOOP. I noticed there is a 50% co-insurance for not using EPO.
We want to travel extensively in the US in retirement but having no MOOP for out of network is terrifying as you never know when you may need unexpected care.
Thank you so much-
Coming from employer based health insurance, we don't have experience with EPO coverage and at this time, we don't even have a PCP in MO.
If I understand correctly, with an EPO you are covered in network by providers within the EPO and costs apply toward MOOP. However, any provider outside of the EPO (in MO or out of state) are out of network services and do not apply towards MOOP. I noticed there is a 50% co-insurance for not using EPO.
- 1. For those of you that have used EPO coverage, can you please share your thoughts on it? Any MO (Springfield area) specific comments would be great too!
We want to travel extensively in the US in retirement but having no MOOP for out of network is terrifying as you never know when you may need unexpected care.
- 2. For those that have EPO coverage, do you purchase travel insurance when traveling?
Thank you so much-