Vox
Gold Member
- Jun 17, 2013
- 10,937
- 867
- 138
All right, the information is EASY to check for yourself - so 2 adults 60 and 56 ( assuming no tobacco) in Clearwater Florida, silver plan for Humana.
What sticker except monthly premiums this "happy couple" are getting.
There are 3 silver plans available for the couple from Humana in Clearwater, Fl.
All three have EXTREMELY high deductibles - and if the couple got such a high subsidy that they are paying 3 dollars per month for two ( and the cheapest premium is 915$ per month) - the real sticker shock is waiting for them when they will finally look at the deductible and co-pays.
so - the least deductible is 4,250 per individual which is a humongous amount of money for this couple ( if they get such a subsidy - they are dirt poor) and only AFTER that amount they will receive ANY care.
the co-pays are high and coinsurance is 20%.
annual max ut of the pocket limit is 12.500 for the family and 6.250 per person.
So anybody who will tell this couple is not being ripped off BEFORE they get ANY medical treatment - are simply idiots or liars.
If you do not believe me - check for yourself.
http://www.ehealthinsurance.com/ehi...=&edit=true&ajax=true&screenName=best-sellers
===========================================
Humana Insurance Company Humana Connect Silver 4600/6300 Plan with ... Silver
$25
Find Doctors
N/A (individual) $9,200 (family)
$915.6
$915.65 per month
Email Quote
Plan Details
Additional Coverage
Videos
Plan Type HMO
Metal Level Silver
Office Visit for Primary Doctor
Find Doctors $25 Copay
Office Visit for Specialist $35 Copay
Office Visit for Other Practitioner (Nurse, Physician Assistant) $25 Copay
Annual Deductible Family: $9,200
($9,200 family deductible can be met by one or more family members combined.)
Separate Prescription Drugs Deductible Individual: $1,500; Family: $3,000. Applies to all drugs except generic drugs.
Coinsurance 20%
Retail Prescription Drugs Preferred Generic Drugs: $10 copay; Non-Preferred Generic Drugs: $20 copay; Preferred Brand Name Drugs: $50 copay after deductible; Non-Preferred Brand Name Drugs: 50% coinsurance after deductible; Specialty Drugs: 50% coinsurance after deductible.
Annual Out-of-Pocket Limit Family: $12,600
Includes deductible
======================
Humana Insurance Company Humana National Preferred Silver 3650/3650... Silver
Compare
No Charge after deductible
Find Doctors
N/A (individual) $7,300 (family)
$1,043.32
6 days to apply for 1/1/2014 start date
Save $35.00 with a health care package
$1,043.32 per month
Email Quote
Plan Details
Additional Coverage
Videos
Plan Type POS
Metal Level Silver
Office Visit for Primary Doctor
Find Doctors No Charge after deductible
Office Visit for Specialist No Charge after deductible
Office Visit for Other Practitioner (Nurse, Physician Assistant) No Charge after deductible
Annual Deductible Family: $7,300
($7,300 family deductible can be met by one or more family members combined.)
Separate Prescription Drugs Deductible Medical Plan Deductible Applies
Coinsurance 0%
Retail Prescription Drugs Low-cost generic and brand drugs: No Charge after deductible; Higher-cost generic and brand drugs: No Charge after deductible; High cost, mostly brand drugs: No Charge after deductible; High-technology drugs: No Charge after deductible.
Annual Out-of-Pocket Limit Family: $7,300
Includes deductible
Lifetime Maximum Unlimited
============================
Humana Insurance Company Humana National Preferred Silver 4250/6250... Silver
Compare
$35
Find Doctors
$4,250 (individual) $8,500 (family)
$1,061.61
6 days to apply for 1/1/2014 start date
Save $35.00 with a health care package
Humana Insurance Company
Humana National Preferred Silver 4250/6250 Plan with Children's Dental
$1,061.61 per month
Email Quote
Plan Details
Additional Coverage
Videos
Plan Type POS
Metal Level Silver
Office Visit for Primary Doctor
Find Doctors $35 Copay
Office Visit for Specialist $60 Copay
Office Visit for Other Practitioner (Nurse, Physician Assistant) $35 Copay
Annual Deductible Family: $8,500
(Any family member who meets his/her $4,250 individual deductible can start receiving benefits available after deductible.)
Separate Prescription Drugs Deductible Individual: $1,500; Family: $3,000. Applies to all drugs except Low-cost generic and brand drugs.
Coinsurance 20%
Retail Prescription Drugs Low-cost generic and brand drugs: $15 copay; Higher-cost generic and brand drugs: $35 copay after deductible; High cost, mostly brand drugs: $50 copay after deductible; High-technology drugs: 50% coinsurance after deductible.
Annual Out-of-Pocket Limit Family: $12,500($6,250 per person)
Includes deductible
What sticker except monthly premiums this "happy couple" are getting.
There are 3 silver plans available for the couple from Humana in Clearwater, Fl.
All three have EXTREMELY high deductibles - and if the couple got such a high subsidy that they are paying 3 dollars per month for two ( and the cheapest premium is 915$ per month) - the real sticker shock is waiting for them when they will finally look at the deductible and co-pays.
so - the least deductible is 4,250 per individual which is a humongous amount of money for this couple ( if they get such a subsidy - they are dirt poor) and only AFTER that amount they will receive ANY care.
the co-pays are high and coinsurance is 20%.
annual max ut of the pocket limit is 12.500 for the family and 6.250 per person.
So anybody who will tell this couple is not being ripped off BEFORE they get ANY medical treatment - are simply idiots or liars.
If you do not believe me - check for yourself.
http://www.ehealthinsurance.com/ehi...=&edit=true&ajax=true&screenName=best-sellers
===========================================
Humana Insurance Company Humana Connect Silver 4600/6300 Plan with ... Silver
$25
Find Doctors
N/A (individual) $9,200 (family)
$915.6
$915.65 per month
Email Quote
Plan Details
Additional Coverage
Videos
Plan Type HMO
Metal Level Silver
Office Visit for Primary Doctor
Find Doctors $25 Copay
Office Visit for Specialist $35 Copay
Office Visit for Other Practitioner (Nurse, Physician Assistant) $25 Copay
Annual Deductible Family: $9,200
($9,200 family deductible can be met by one or more family members combined.)
Separate Prescription Drugs Deductible Individual: $1,500; Family: $3,000. Applies to all drugs except generic drugs.
Coinsurance 20%
Retail Prescription Drugs Preferred Generic Drugs: $10 copay; Non-Preferred Generic Drugs: $20 copay; Preferred Brand Name Drugs: $50 copay after deductible; Non-Preferred Brand Name Drugs: 50% coinsurance after deductible; Specialty Drugs: 50% coinsurance after deductible.
Annual Out-of-Pocket Limit Family: $12,600
Includes deductible
======================
Humana Insurance Company Humana National Preferred Silver 3650/3650... Silver
Compare
No Charge after deductible
Find Doctors
N/A (individual) $7,300 (family)
$1,043.32
6 days to apply for 1/1/2014 start date
Save $35.00 with a health care package
$1,043.32 per month
Email Quote
Plan Details
Additional Coverage
Videos
Plan Type POS
Metal Level Silver
Office Visit for Primary Doctor
Find Doctors No Charge after deductible
Office Visit for Specialist No Charge after deductible
Office Visit for Other Practitioner (Nurse, Physician Assistant) No Charge after deductible
Annual Deductible Family: $7,300
($7,300 family deductible can be met by one or more family members combined.)
Separate Prescription Drugs Deductible Medical Plan Deductible Applies
Coinsurance 0%
Retail Prescription Drugs Low-cost generic and brand drugs: No Charge after deductible; Higher-cost generic and brand drugs: No Charge after deductible; High cost, mostly brand drugs: No Charge after deductible; High-technology drugs: No Charge after deductible.
Annual Out-of-Pocket Limit Family: $7,300
Includes deductible
Lifetime Maximum Unlimited
============================
Humana Insurance Company Humana National Preferred Silver 4250/6250... Silver
Compare
$35
Find Doctors
$4,250 (individual) $8,500 (family)
$1,061.61
6 days to apply for 1/1/2014 start date
Save $35.00 with a health care package
Humana Insurance Company
Humana National Preferred Silver 4250/6250 Plan with Children's Dental
$1,061.61 per month
Email Quote
Plan Details
Additional Coverage
Videos
Plan Type POS
Metal Level Silver
Office Visit for Primary Doctor
Find Doctors $35 Copay
Office Visit for Specialist $60 Copay
Office Visit for Other Practitioner (Nurse, Physician Assistant) $35 Copay
Annual Deductible Family: $8,500
(Any family member who meets his/her $4,250 individual deductible can start receiving benefits available after deductible.)
Separate Prescription Drugs Deductible Individual: $1,500; Family: $3,000. Applies to all drugs except Low-cost generic and brand drugs.
Coinsurance 20%
Retail Prescription Drugs Low-cost generic and brand drugs: $15 copay; Higher-cost generic and brand drugs: $35 copay after deductible; High cost, mostly brand drugs: $50 copay after deductible; High-technology drugs: 50% coinsurance after deductible.
Annual Out-of-Pocket Limit Family: $12,500($6,250 per person)
Includes deductible
Last edited: