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healthcare.gov serious question

Posted by on Mar. 12, 2014 at 3:15 AM
  • 154 Replies

 has anyone here purchased insurance through there and had a reasonable rate?

i am helping my sister and it is insane. the monthly isn't bad but the deductibles are 14, 16k, and some 20k a yr. WTH!

so i sent her to kaiser and it still had a 5k deductible annual.

the kicker is it says it has to, HAS to be met prior to copays being accepted.

 

so, has anyone purchased a plan and how did it work out?

                   

Happily married to the best man and father in the world! <3

 Trying to Conceive Ticker

by on Mar. 12, 2014 at 3:15 AM
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Replies (1-10):
drowningmama
by on Mar. 12, 2014 at 3:38 AM
My dad is having the same problem
Posted on CafeMom Mobile
justpeachy71904
by peachy on Mar. 12, 2014 at 6:33 AM
Im actually worried for her a d so many others right now. I told her to take the penalty.

Quoting drowningmama: My dad is having the same problem
bmw29
by spitfire_bobbie on Mar. 12, 2014 at 6:35 AM
4 moms liked this
I don't know anyone that's found a reasonable plan. They all seem pretty worthless to me.
Danesmommy1
by Grammar Enthusiast on Mar. 12, 2014 at 6:38 AM
I'm so very grateful for TriCare for life.
lnrmom
by on Mar. 12, 2014 at 6:40 AM
We have a few contractors at work who got insurance through there, both said they got decent insurance but I don't know details.
Texor
by Platinum Member on Mar. 12, 2014 at 6:42 AM

That's how high it is these days.  The insurance through my DH's work was $22,000 deductible.


Let me tell you this about deductibles too (I used to work in medical billing)...only the amount would you pay for your copay actually counts toward the deductible, not the full amount of the visit.  So, if your copay is $30, but paid $100 for a visit, only $30 will count toward the deductible.

jjames1990
by on Mar. 12, 2014 at 6:43 AM
I was just thinking that! DH is retiring in 2 years. So grateful it will never be a worry for us.

OP, does your sister qualify for any state/federal assistance with the premium?

Quoting Danesmommy1: I'm so very grateful for TriCare for life.
justpeachy71904
by peachy on Mar. 12, 2014 at 6:47 AM
Interesting. My deductible at work is 750.

If I add my husband it is 1500


Quoting Texor:

That's how high it is these days.  The insurance through my DH's work was $22,000 deductible.

Let me tell you this about deductibles too (I used to work in medical billing)...only the amount would you pay for your copay actually counts toward the deductible, not the full amount of the visit.  So, if your copay is $30, but paid $100 for a visit, only $30 will count toward the deductible.

Anonymous
by Anonymous 1 on Mar. 12, 2014 at 6:48 AM
We don't make enough (even though DH works 3 jobs) so were told to use State care. Haven't heard yet if we are accepted with them though. And regardless- we will have a high deductible with them as well. And then it takes you to turn in all receipts for them to turn the card on so you actually can use it. May as well not have any with the rigmarole it takes. The penalty might be easier.
justpeachy71904
by peachy on Mar. 12, 2014 at 6:48 AM
no they dont. And our state didn't expand Medicaid.

She is basically screwed. But she is looking for a second job with benefits.


Quoting jjames1990: I was just thinking that! DH is retiring in 2 years. So grateful it will never be a worry for us.

OP, does your sister qualify for any state/federal assistance with the premium?

Quoting Danesmommy1: I'm so very grateful for TriCare for life.
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