Carrie12345 Posted November 1, 2017 Share Posted November 1, 2017 I'm getting a 93% increase for the absolute cheapest plan that covers my local care providers. (After subsidy.) Quote Link to comment Share on other sites More sharing options...
Plink Posted November 1, 2017 Share Posted November 1, 2017 We walked away from the marketplace last year. The prices were lower through a private insurance broker. How? Why? I have no idea. 1 Quote Link to comment Share on other sites More sharing options...
AmandaVT Posted November 1, 2017 Share Posted November 1, 2017 On my to-do list for the afternoon. Our state website has handy calculators on it, with estimated yearly total out of pocket based on your estimated number of appointments/prescriptions/etc. I think, based on that, we'll be better served moving to a different plan, but I want to talk to our BCBS rep first to clarify a few things. Quote Link to comment Share on other sites More sharing options...
Carrie12345 Posted November 1, 2017 Author Share Posted November 1, 2017 The best (and by best, I mean worst coverage) BC has to offer me is $1446/mo. :crying: Quote Link to comment Share on other sites More sharing options...
Lanny Posted November 1, 2017 Share Posted November 1, 2017 The best (and by best, I mean worst coverage) BC has to offer me is $1446/mo. :crying: I can't like your posts. This is sad. Do what Plink in post #2 did and contact an Independent Insurance Agent who sells Health/Medical insurance. Do that ASAP! Good luck! Quote Link to comment Share on other sites More sharing options...
MaeFlowers Posted November 1, 2017 Share Posted November 1, 2017 (edited) The best (and by best, I mean worst coverage) BC has to offer me is $1446/mo. :crying:Our numbers were slightly lower than yours but for catastrophic coverage. I mean you get one well visit per person and one eye exam per person but nothing else is covered til you hit the deductible. ETA: I get the importance of insurance. However, if we paying high premiums puts us in a place where we can no longer afford to see the dr when we are sick, it isnt helping us, its hurting us. We are opting out again due to unaffordability. Probably about half of the middle class can take that exemption. Edited November 1, 2017 by MaeFlowers Quote Link to comment Share on other sites More sharing options...
Jean in Newcastle Posted November 1, 2017 Share Posted November 1, 2017 My independent insurer of over 30 years has contacted me (and everyone else) to tell us that they are walking away from our state. Now I have to find someone else. Quote Link to comment Share on other sites More sharing options...
J-rap Posted November 1, 2017 Share Posted November 1, 2017 This is such a sad, terrible situation. That's all I have to say. 1 Quote Link to comment Share on other sites More sharing options...
kewb Posted November 1, 2017 Share Posted November 1, 2017 (edited) I have it on the calendar to do later. I was already told what my new exorbitant premium would be if I don't switch plans. Haven't had the mental fortitude to start the process. Debating if it will be less expensive to go without and pay out of pocket. Then I worry about if something serious happens. Edited November 1, 2017 by kewb 1 Quote Link to comment Share on other sites More sharing options...
milovany Posted November 1, 2017 Share Posted November 1, 2017 (edited) Pretty sure I'll be in the same situation as the OP. I'm the only one in the family paying for insurance (hubby gets it at work, kids are grandfathered in to the state free plan) so we try to look at it like "this is what we're paying for the whole family" (instead of for just me), but I fear we'll be priced out of even that this year. I'm considering a sharing program like Medishare or Samaritan Ministries, or something else. ETA: Yep, as I expected based on what I'd heard. My cost is more than tripling. Will look at other options including being added to dh's policy at work, the sharing programs and now (because of this thread), a private broker. Edited November 1, 2017 by milovany Quote Link to comment Share on other sites More sharing options...
Guest Posted November 1, 2017 Share Posted November 1, 2017 We walked away from the marketplace last year. The prices were lower through a private insurance broker. How? Why? I have no idea. Same!!! Quote Link to comment Share on other sites More sharing options...
scholastica Posted November 1, 2017 Share Posted November 1, 2017 We just got our renewal premium notice. We have only one insurer in our county for 2018. They want over $2000 / mth for the six of us. It's such a joke. And not a funny one. Quote Link to comment Share on other sites More sharing options...
Jean in Newcastle Posted November 1, 2017 Share Posted November 1, 2017 It's not good when the insurance broker starts telling you about the "least poisonous" plan. 1 Quote Link to comment Share on other sites More sharing options...
goldberry Posted November 1, 2017 Share Posted November 1, 2017 It's awful. This has to change. There needs to be a resolution that helps all of us, not just certain groups. I have not had decent insurance since DH and I became self employed 12 years ago. And yes, that was pre-ACA. 1 Quote Link to comment Share on other sites More sharing options...
creekland Posted November 1, 2017 Share Posted November 1, 2017 This is such a sad, terrible situation. That's all I have to say. :iagree: I really, really wish there were something better out there. 1 Quote Link to comment Share on other sites More sharing options...
kroe1 Posted November 1, 2017 Share Posted November 1, 2017 (edited) My renewal for Florida Blue is $2400 a month for 3 people. Health gov is $1400 a month for the same coverage. Cigna has a funky policy for $1000 a month. We are choosing funky. And when I went to the Florida Blue office to find out why their premiums for the same coverage are $1000 difference, they said they have no appointments until 11/8. So, let me get this straight. You want $30,000 a year from me and you cannot answer a simple question for over a week? Edited November 1, 2017 by Minniewannabe 1 Quote Link to comment Share on other sites More sharing options...
Lanny Posted November 1, 2017 Share Posted November 1, 2017 My renewal for Florida Blue is $2400 a month for 3 people. Health gov is $1400 a month for the same coverage. Cigna has a funky policy for $1000 a month. We are choosing funky. And when I went to the Florida Blue office to find out why their premiums for the same coverage are $1000 difference, they said they have no appointments until 11/8. So, let me get this straight. You want $30,000 a year from me and you cannot answer a simple question for over a week? If you are certain the Florida Blue coverage is the same, for $2400 if you renew, or for $1400 via the exchange, they are either giving you a discount, if you sign up via the Exchange, or you are getting subsidized via the Exchange. Cigna Funky policy is worth dropping out of Blue Cross for $400 a month savings? That's $4800 a year, which is a nice piece of change, if the Network and coverage are not much worse. 1 Quote Link to comment Share on other sites More sharing options...
kroe1 Posted November 2, 2017 Share Posted November 2, 2017 If you are certain the Florida Blue coverage is the same, for $2400 if you renew, or for $1400 via the exchange, they are either giving you a discount, if you sign up via the Exchange, or you are getting subsidized via the Exchange. Cigna Funky policy is worth dropping out of Blue Cross for $400 a month savings? That's $4800 a year, which is a nice piece of change, if the Network and coverage are not much worse. Nope, no subsidies. I am guessing one of the BCBS is HMO type and one is PPO type. That is all I can guess. At any rate, I am now getting the Cigna. 1 Quote Link to comment Share on other sites More sharing options...
Lanny Posted November 2, 2017 Share Posted November 2, 2017 There may be much more coverage in an HMO than in a PPO plan. We had a PPO here for many years and it was wonderful, but I believe the actual coverage was far more limited than what the "POS" (Obligatory Health Plan) covers, assuming one can get treated with that. So, yes, if one is an HMO and the other is a PPO, the actual coverage between the 2 BC plans may be extremely different. 1 Quote Link to comment Share on other sites More sharing options...
fairfarmhand Posted November 2, 2017 Share Posted November 2, 2017 The best (and by best, I mean worst coverage) BC has to offer me is $1446/mo. :crying: That’s more than our mortgage..,a 15 year note. I’m so sorry! Sent from my iPhone using Tapatalk 3 Quote Link to comment Share on other sites More sharing options...
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