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Healthcare Marketplace Questions


#1 Captain Wrong   ... CAGiversary!   657 Posts   Joined 13.7 Years Ago  

Captain Wrong

Posted 23 September 2015 - 10:30 PM

I'm kind of in a spot, so I figure my best option about an important life decision is to ask random strangers on a video game board for thoughts. :lol:

 

I recently lost my job and with it, my insurance. I was lucky enough to land another job, but it's contract work through a hiring firm, so that's where I'm going to be for the next six months, barring anything unforeseen happening. The hiring firm offers insurance, but I will not be eligible until December. Due to various health issues I have (without getting into too much detail, mostly chronic lower back issues and what seems to be onset of arthritis,) I'm not sure I can go without insurance that long.

 

I'm looking at the Healthcare.gov marketplace to fill in the gap. I'm just not sure what kind of plan to go with or if it's even worth it for the three or so months I'd need it. There are levels, bronze, silver and gold, each with an inverse monthly cost to deductible/co-pay cost ratio. I'm not likely to hit a high deductible in this amount of time (hopefully) so a low cost/high deductible plan doesn't make sense. On the other hand, with a high cost/low deductible plan, I might be just as well off trying to work out cash payments for the time.

 

So, I guess I'm trying to figure out if this makes sense or if I'd be better off just trying to go out of pocket until the insurance picks up. As it stands, I have a few appointments I need to make, but I'm not sure what the costs are going to be. Maybe that's on me to find out. But if anyone has any thoughts or experience with the marketplace or whatever, post them here. Just curious to get a dialogue going.



#2 slidecage   Nothing to say CAGiversary!   29326 Posts   Joined 14.6 Years Ago  

Posted 23 September 2015 - 11:01 PM

I'm kind of in a spot, so I figure my best option about an important life decision is to ask random strangers on a video game board for thoughts. :lol:

 

I recently lost my job and with it, my insurance. I was lucky enough to land another job, but it's contract work through a hiring firm, so that's where I'm going to be for the next six months, barring anything unforeseen happening. The hiring firm offers insurance, but I will not be eligible until December. Due to various health issues I have (without getting into too much detail, mostly chronic lower back issues and what seems to be onset of arthritis,) I'm not sure I can go without insurance that long.

 

I'm looking at the Healthcare.gov marketplace to fill in the gap. I'm just not sure what kind of plan to go with or if it's even worth it for the three or so months I'd need it. There are levels, bronze, silver and gold, each with an inverse monthly cost to deductible/co-pay cost ratio. I'm not likely to hit a high deductible in this amount of time (hopefully) so a low cost/high deductible plan doesn't make sense. On the other hand, with a high cost/low deductible plan, I might be just as well off trying to work out cash payments for the time.

 

So, I guess I'm trying to figure out if this makes sense or if I'd be better off just trying to go out of pocket until the insurance picks up. As it stands, I have a few appointments I need to make, but I'm not sure what the costs are going to be. Maybe that's on me to find out. But if anyone has any thoughts or experience with the marketplace or whatever, post them here. Just curious to get a dialogue going.

 

if you can  wait till NOV 1,  your going to be very  VERY limited in what you can get right now, my health insurance just went from  309 per month to close to 400 per month  and called up my health insurance company. The only plan they can offer me what is near mine will drop the payment from 400 a  month to 350 a month but jack up the co pay from  Max out of pocket  1,500   To  25,000.. Thats right  25k.  They said  i wont find much until the market place opens in  nov

 

I would be very shocked to find a company that would offer you insurance for 2 months at  a low cost. I mean you pay them say 700 bucks but run up a  10k bill



#3 62t   Zune Duck! CAGiversary!   19925 Posts   Joined 14.4 Years Ago  

Posted 24 September 2015 - 12:42 AM

How much is your payment for COBRA?



#4 Captain Wrong   ... CAGiversary!   657 Posts   Joined 13.7 Years Ago  

Captain Wrong

Posted 24 September 2015 - 11:15 AM

How much is your payment for COBRA?

I don't have it in front of me, but it was over $750, IIRC.

 

I'm pretty sure I'm just going to see what I can work out for cash payment at time of service. I know some will work with you on that. Seems less headache and less money in the long run.



#5 slidecage   Nothing to say CAGiversary!   29326 Posts   Joined 14.6 Years Ago  

Posted 24 September 2015 - 12:21 PM

also if you do buy insurance  ask the places you go about it. Had a few x rays  one place  x rays were like  1100   insurance right off took it to 600..  Needed more  but went to another place  bill was 700 but insurance right off took it to 200 for the same type.

 

Though you may have a hard time finding insurance outside the place you work for, my back is going out as well and my insurance told me if i lose my grandfather plan the new insurance will not cover it  at  100%



#6 Captain Wrong   ... CAGiversary!   657 Posts   Joined 13.7 Years Ago  

Captain Wrong

Posted 25 September 2015 - 10:22 PM

I think I may be ok. The one specialist I was worried about has a cash price I can afford and I think I can work out the two other appointments I have before this new insurance picks up. Damn this is complicated. 



#7 slidecage   Nothing to say CAGiversary!   29326 Posts   Joined 14.6 Years Ago  

Posted 26 September 2015 - 01:28 PM

I think I may be ok. The one specialist I was worried about has a cash price I can afford and I think I can work out the two other appointments I have before this new insurance picks up. Damn this is complicated. 

also if you pay by cash ask them if they have monthly payments  that one where i had  900 buck bill they broke it up into 12 payments with 0 interest