"They are not offering the same policy on The Market this year.
Last years cost was $282.32 a month on a $2423.32 a month policy. They sent us a letter telling us that the
same policy would be $1,190.80 a month on a $3,331.80 a month policy cost. I think it is "part of the game"
to not offer the policy again on the market, and send out the notice. Maybe some will just continue on.
After I enter all our info, I find that in Pa. "financial help" has gone from $2.141.00 to $3160.00.
Why? I have no idea.
We are offered two bronze plans. Geisinger HMO ( what we had, but silver ) from $2162 a month /
$12,200 deductible ( family ), max $14,750 out of pocket. ( All plans are $14,750 max out of pocket. ) PPO
from Capitol Blue Cross $2758.48 a month / $14,700 deductible. Both would be free to us.
Two silver plans. Geisinger HMO we would pay $171.80 a month / $9,300 deductible. Blue Cross
PPO - we would pay $956.06 a month / $10,000 deductible.
Two Gold plans. Blue Cross - we would pay $590.96 a month / $4000 deductible. Geisinger HMO - we
pay nothing / $6,000 deductible. Our family doctor is in the Geisinger network, not in Blue Cross network.
Just curious if anyone would not take the free gold plan, and/or can figure out a rhyme or reason?
So I am excited to help the wife's friend out with free healthcare. Then I come to find out that if you live in
South Carolina you only get $2,200 of "financial help", even though your income is half of the cut off. Their
cheapest silver plan is $210 a month, and the old man says he isn't paying that. In SC, even the bronze
plans come with a cost. They are offered four at $5.34 to $5.46 a month. "
What a conundrum. I'm relatively young for this board at 31, and I don't doubt your facts at all, but almost none of this makes any sense to me. How can a "bronze" plan cost over $2,000 per month for you but be about $5 per month in SC. Further, why would anyone take a plan where you pay when you can get a "gold" plan for no out of pocket cost per month like the Geisiner HMO? Healthcare is a wreck. |
