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I love how they rank us like we were like the 99% white Scandinavian countries with populations smaller than the ghettos of our biggest cities.And which uses completely different rules to measure us than they do other countries, thus sandbagging our ranking. For example, infant deaths are not counted the same between us and other countries.ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.A $5000 deductable policy is not fair to anyone
That is why we need Universal Healthcare
I never said free
But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?
Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism
Better coverage defined as, and by who?
-Geaux
WHO which ranks us #26 in the world
Obama ordered my employer to cover even more people that it did at the time, thus adding to their expenses which led to redistribution of coverageMy main gripe is that my employer-paid plan used to have a 500 deductible followed by 80/20 with $25 doctor visits. Max out-of-pocket, annually, was $2000If I was to choose to buy a better plan
I suppose I don't really get your conundrum. You don't pay any premium, which means you're liable for costs only if you get sick or injured--which, on its face, is relatively fair, I would think we can agree.
If you're a single person, by law the most you can spend out of pocket is $6,600 this year. Not an insignificant sum, to be sure, but if you've exhausted that amount of cost-sharing that means you've incurred health expenses in excess of that. Perhaps significantly above that. Maybe you incur $100,000 in hospital bills and are liable for only that $6,600, I don't know. The point is, you're protected.
So what is a "better plan"? If you pay that individual OOP max because you have considerable health expenses, that's the equivalent of $550/month.
I gather (perhaps incorrectly) you're not a particularly young guy. If you're looking at the full premium of a health plan--with no employer subsidy--coupled with the assumption that you're going to max out whatever out-of-pocket limit your plan has, it's every unlikely you're going to find a better deal than what you've got.
Frankly, the people who are supposed to be complaining under the current system are people like me--those who use virtually none of their deductible in any given year because they don't incur any health expenses (knock on wood!) but still have to pay premiums anyway. Not people like you, who don't pay any premiums but expect to use or even max out their deductibles and cost-sharing because they have health issues.
My President told me that I could keep that plan.
I haven't shopped around real intensively, but I'm quite confident that a plan of that nature would cost much more than I could afford. Even if it's "only" $200 more per month.
Like most working class Americans I live from paycheck to paycheck with only a small portion left over.
Like I said, earlier, I was paying $25 dollars for Dr visits. Now, next Monday, I'm going to have to fork over $100. Reason for Dr visit is recent back injury that I went to ER for a couple days ago. My old plan had a $150 copay for ER. This one, nope...... Can't wait to see that bill.
Good news is it'll probably be pretty damned close to meeting my deductible. Bad news is, how the fuck am I supposed to afford it?
Did Obama order you to change your plan or did your employer?
Then, with your ever-precious universal healthcare, we could all pay thousands more per year in taxes and enjoy an even more bloated government.ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.A $5000 deductable policy is not fair to anyone
That is why we need Universal Healthcare
I never said free
But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?
Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism
Cause everyone knows the federal government does a better job at ___, uhmm... oh wait.ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.A $5000 deductable policy is not fair to anyone
That is why we need Universal Healthcare
I never said free
But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?
Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism
What makes you think your coverage will be better by having your federal government manage it? Cause they've done such a good job with 15% of your income for SS? Oh wait... Cause they've done such a good job at education? Oh wait... Cause they've done such a good job managing the mail? Oh wait.... Cause they've done such a good job protecting our border? Oh wait...
Obama ordered my employer to cover even more people that it did at the time, thus adding to their expenses which led to redistribution of coverageMy main gripe is that my employer-paid plan used to have a 500 deductible followed by 80/20 with $25 doctor visits. Max out-of-pocket, annually, was $2000If I was to choose to buy a better plan
I suppose I don't really get your conundrum. You don't pay any premium, which means you're liable for costs only if you get sick or injured--which, on its face, is relatively fair, I would think we can agree.
If you're a single person, by law the most you can spend out of pocket is $6,600 this year. Not an insignificant sum, to be sure, but if you've exhausted that amount of cost-sharing that means you've incurred health expenses in excess of that. Perhaps significantly above that. Maybe you incur $100,000 in hospital bills and are liable for only that $6,600, I don't know. The point is, you're protected.
So what is a "better plan"? If you pay that individual OOP max because you have considerable health expenses, that's the equivalent of $550/month.
I gather (perhaps incorrectly) you're not a particularly young guy. If you're looking at the full premium of a health plan--with no employer subsidy--coupled with the assumption that you're going to max out whatever out-of-pocket limit your plan has, it's every unlikely you're going to find a better deal than what you've got.
Frankly, the people who are supposed to be complaining under the current system are people like me--those who use virtually none of their deductible in any given year because they don't incur any health expenses (knock on wood!) but still have to pay premiums anyway. Not people like you, who don't pay any premiums but expect to use or even max out their deductibles and cost-sharing because they have health issues.
My President told me that I could keep that plan.
I haven't shopped around real intensively, but I'm quite confident that a plan of that nature would cost much more than I could afford. Even if it's "only" $200 more per month.
Like most working class Americans I live from paycheck to paycheck with only a small portion left over.
Like I said, earlier, I was paying $25 dollars for Dr visits. Now, next Monday, I'm going to have to fork over $100. Reason for Dr visit is recent back injury that I went to ER for a couple days ago. My old plan had a $150 copay for ER. This one, nope...... Can't wait to see that bill.
Good news is it'll probably be pretty damned close to meeting my deductible. Bad news is, how the fuck am I supposed to afford it?
Did Obama order you to change your plan or did your employer?
I can't debate that point.Obama ordered my employer to cover even more people that it did at the time, thus adding to their expenses which led to redistribution of coverageMy main gripe is that my employer-paid plan used to have a 500 deductible followed by 80/20 with $25 doctor visits. Max out-of-pocket, annually, was $2000If I was to choose to buy a better plan
I suppose I don't really get your conundrum. You don't pay any premium, which means you're liable for costs only if you get sick or injured--which, on its face, is relatively fair, I would think we can agree.
If you're a single person, by law the most you can spend out of pocket is $6,600 this year. Not an insignificant sum, to be sure, but if you've exhausted that amount of cost-sharing that means you've incurred health expenses in excess of that. Perhaps significantly above that. Maybe you incur $100,000 in hospital bills and are liable for only that $6,600, I don't know. The point is, you're protected.
So what is a "better plan"? If you pay that individual OOP max because you have considerable health expenses, that's the equivalent of $550/month.
I gather (perhaps incorrectly) you're not a particularly young guy. If you're looking at the full premium of a health plan--with no employer subsidy--coupled with the assumption that you're going to max out whatever out-of-pocket limit your plan has, it's every unlikely you're going to find a better deal than what you've got.
Frankly, the people who are supposed to be complaining under the current system are people like me--those who use virtually none of their deductible in any given year because they don't incur any health expenses (knock on wood!) but still have to pay premiums anyway. Not people like you, who don't pay any premiums but expect to use or even max out their deductibles and cost-sharing because they have health issues.
My President told me that I could keep that plan.
I haven't shopped around real intensively, but I'm quite confident that a plan of that nature would cost much more than I could afford. Even if it's "only" $200 more per month.
Like most working class Americans I live from paycheck to paycheck with only a small portion left over.
Like I said, earlier, I was paying $25 dollars for Dr visits. Now, next Monday, I'm going to have to fork over $100. Reason for Dr visit is recent back injury that I went to ER for a couple days ago. My old plan had a $150 copay for ER. This one, nope...... Can't wait to see that bill.
Good news is it'll probably be pretty damned close to meeting my deductible. Bad news is, how the fuck am I supposed to afford it?
Did Obama order you to change your plan or did your employer?
So your employer was a prick
Cause everyone knows the federal government does a better job at ___, uhmm... oh wait.ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.A $5000 deductable policy is not fair to anyone
That is why we need Universal Healthcare
I never said free
But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?
Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism
What makes you think your coverage will be better by having your federal government manage it? Cause they've done such a good job with 15% of your income for SS? Oh wait... Cause they've done such a good job at education? Oh wait... Cause they've done such a good job managing the mail? Oh wait.... Cause they've done such a good job protecting our border? Oh wait...
Federal Employees Health Benefits (FEHB) is much better than anything on the open market
We tried to make it available to all Americans but the right started screaming "Socialism" and "Government takeover"
Cause everyone knows the federal government does a better job at ___, uhmm... oh wait.ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.A $5000 deductable policy is not fair to anyone
That is why we need Universal Healthcare
I never said free
But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?
Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism
What makes you think your coverage will be better by having your federal government manage it? Cause they've done such a good job with 15% of your income for SS? Oh wait... Cause they've done such a good job at education? Oh wait... Cause they've done such a good job managing the mail? Oh wait.... Cause they've done such a good job protecting our border? Oh wait...
Federal Employees Health Benefits (FEHB) is much better than anything on the open market
We tried to make it available to all Americans but the right started screaming "Socialism" and "Government takeover"
Let me get this straight. You use the limited funds of the taxpayer to give federal employees the best health care the taxpayer's money can buy, and you think this is evidence that everyone should have the best health care the taxpayer's money can buy.
ROFL
Same logic that says that you pay your federal income tax all your career, pay your Medicare tax all your career, and when you retire and take Medicare, your are "mooching off the taxpayers".Cause everyone knows the federal government does a better job at ___, uhmm... oh wait.ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.A $5000 deductable policy is not fair to anyone
That is why we need Universal Healthcare
I never said free
But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?
Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism
What makes you think your coverage will be better by having your federal government manage it? Cause they've done such a good job with 15% of your income for SS? Oh wait... Cause they've done such a good job at education? Oh wait... Cause they've done such a good job managing the mail? Oh wait.... Cause they've done such a good job protecting our border? Oh wait...
Federal Employees Health Benefits (FEHB) is much better than anything on the open market
We tried to make it available to all Americans but the right started screaming "Socialism" and "Government takeover"
Let me get this straight. You use the limited funds of the taxpayer to give federal employees the best health care the taxpayer's money can buy, and you think this is evidence that everyone should have the best health care the taxpayer's money can buy.
ROFL
Same logic that says that you pay your federal income tax all your career, pay your Medicare tax all your career, and when you retire and take Medicare, your are "mooching off the taxpayers".Cause everyone knows the federal government does a better job at ___, uhmm... oh wait.ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.
I never said free
But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?
Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism
What makes you think your coverage will be better by having your federal government manage it? Cause they've done such a good job with 15% of your income for SS? Oh wait... Cause they've done such a good job at education? Oh wait... Cause they've done such a good job managing the mail? Oh wait.... Cause they've done such a good job protecting our border? Oh wait...
Federal Employees Health Benefits (FEHB) is much better than anything on the open market
We tried to make it available to all Americans but the right started screaming "Socialism" and "Government takeover"
Let me get this straight. You use the limited funds of the taxpayer to give federal employees the best health care the taxpayer's money can buy, and you think this is evidence that everyone should have the best health care the taxpayer's money can buy.
ROFL
Kafka couldn't make this shit up.
Cause everyone knows the federal government does a better job at ___, uhmm... oh wait.ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.
I never said free
But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?
Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism
What makes you think your coverage will be better by having your federal government manage it? Cause they've done such a good job with 15% of your income for SS? Oh wait... Cause they've done such a good job at education? Oh wait... Cause they've done such a good job managing the mail? Oh wait.... Cause they've done such a good job protecting our border? Oh wait...
Federal Employees Health Benefits (FEHB) is much better than anything on the open market
We tried to make it available to all Americans but the right started screaming "Socialism" and "Government takeover"
Let me get this straight. You use the limited funds of the taxpayer to give federal employees the best health care the taxpayer's money can buy, and you think this is evidence that everyone should have the best health care the taxpayer's money can buy.
ROFL
Why not?
It works and provides better service at lower cost than the state exchanges
The poorest of the poor have gotten MEDICAID in every state for DECADES now...each State has their own qualifying rules and MEDICAID as said has been around forever.The premium rates are not too much higher, if they are lower income then not too much at all...and absolutely well worth it, they get the equivalent of a Platinum Plan, the highest coverage there is....for mere dollars a year, if they are poor....butttt, if they are healthy and young and poor with no family and they want to just take out a bronze plan to save a couple of dollars a month on the premium, they can...but please don't complain later if they do end up getting sick and have to pay the $5200 maximum out of pocket.She voted for Obama simply because he was black, she can live with the consequences.
And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.this is based on a person making less then 14 k a year age 55
DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 62210SD1450003
$5
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $390
$6,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:No charge after deductible
- Specialist doctor:No charge after deductible
- Emergency room care:No charge after deductible
- Generic drugs:No charge after deductible
MORE INFORMATION
- Person Number1 (Age 55): Covered
---------------------------------------------------
Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze PPO
- Plan ID: 60536SD0020023
$11
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $396
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
- Primary doctor:30% Coinsurance after deductible
- Specialist doctor:30% Coinsurance after deductible
- Emergency room care:30% Coinsurance after deductible
- Generic drugs:$25
----------------------------------
Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 31195SD0080003
$37
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $423
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:40% Coinsurance after deductible
- Specialist doctor:40% Coinsurance after deductible
- Emergency room care:40% Coinsurance after deductible
- Generic drugs:40% Coinsurance after deductible
there are several more
- Person Number1 (Age 55): Cov
You probably qualify for a Special Enrollment Period
Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.
It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.
If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)
You have simply chosen the WRONG plan,
the other guy said that the poor could not get a bronze plan and MUST get a silver one
now you come along and say the poor simply picked the wrong plan
--LOL
what if they can not afford high premium rates
How to save on out-of-pocket health care costs HealthCare.gov
If you qualify for savings on out-of-pocket costs, you’ll pay lower deductibles, coinsurance, and copayments. These are costs you have to pay when you get care.
When you apply for coverage in the Marketplace, you'll learn if you’re eligible for savings, which are sometimes called “cost-sharing reductions.”
Savings depend on your 2015 income
If your household income falls in these ranges, you’ll save on out-of-pocket costs. The lower your income within these ranges, the more you’ll save on out-of-pocket costs. Learn how to estimate your income for the Marketplace.
- $11,670 to $29,175 for individuals
- $15,730 to $39,325 for a family of 2
- $19,790 to $49,475 for a family of 3
- $23,850 to $59,625 for a family of 4
- $27,910 to $69,775 for a family of 5
- $31,970 to $79,925 for a family of 6
- $36,030 to $90,075 for a family of 7
- $40,090 to $100,225 for a family of 8
Incomes that qualify for cost-sharing reductions are higher in Alaska and Hawaii. See Alaska and Hawaii information.
Learn how to estimate your income and report on your household size.
If your income falls between the amounts shown, you also qualify for premium tax credits that lower your monthly premiums.
Out-of-pocket savings apply only to Silver plans
Plans in the Marketplace are grouped into 4 categories: Bronze, Silver, Gold, and Platinum. Learn more about plan categories and what they mean.
If your income qualifies you for out-of-pocket savings, you must choose a Silver plan to get the savings. You can choose any category of plan you want, but you'll get the out-of-pocket savings only if you enroll in a Silver plan.
Get more information about cost sharing reductions for American Indians and Alaska Natives.
More answers
- Can I save only on out-of-pocket costs?
The very very poor get medicaid, not one of these bronze, silver, gold, platinum plans on the Exchange.
quit your lying to make yourself feel better
the poorest of the poor DO NOT get medicaid in every state
AS FAR AS those Republican governor States that CHOSE not to help their second tier poorest...that's not due to Obamacare, that's due to the INDIVIDUAL STATE'S DECISION.
You should stop lying and do some research on all of this...."ignorance is bliss", for only so long....
.
"
You are simply wrong on ALL accounts on this roadrunner.
there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"
Never use the word all, there are many who get a subsidy that do not get cost sharing.
You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.
"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."
No,not all plans have co-pays.
this is based on a person making less then 14 k a year age 55
DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 62210SD1450003
$5
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $390
$6,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:No charge after deductible
- Specialist doctor:No charge after deductible
- Emergency room care:No charge after deductible
- Generic drugs:No charge after deductible
MORE INFORMATION
- Person Number1 (Age 55): Covered
---------------------------------------------------
Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze PPO
- Plan ID: 60536SD0020023
$11
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $396
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
- Primary doctor:30% Coinsurance after deductible
- Specialist doctor:30% Coinsurance after deductible
- Emergency room care:30% Coinsurance after deductible
- Generic drugs:$25
----------------------------------
Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 31195SD0080003
$37
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $423
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:40% Coinsurance after deductible
- Specialist doctor:40% Coinsurance after deductible
- Emergency room care:40% Coinsurance after deductible
- Generic drugs:40% Coinsurance after deductible
there are several more
- Person Number1 (Age 55): Cov
You probably qualify for a Special Enrollment Period
I have no idea what you are after here.
that this statement is complete bullshit
"there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help"
i helped several "poor" people get on the exchange and there are several plans with huge deductibles
huge out of pocket and 50 percent co pays
the three plans listed have between the deductible and out of pocket at least 11000 that the insurened is responsible for
not including 50 percent co pays and such
She voted for Obama simply because he was black, she can live with the consequences.
And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.You are simply wrong on ALL accounts on this roadrunner.Hard for the poor here to go to Mexico.I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".
Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.
What they now have is catastrophic coverage at a very high rate.
there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:
Cost Sharing Reduction.
So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.
In addition to this,
ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....
this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...
"
You are simply wrong on ALL accounts on this roadrunner.
there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"
Never use the word all, there are many who get a subsidy that do not get cost sharing.
You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.
"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."
No,not all plans have co-pays.
this is based on a person making less then 14 k a year age 55
DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 62210SD1450003
$5
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $390
$6,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:No charge after deductible
- Specialist doctor:No charge after deductible
- Emergency room care:No charge after deductible
- Generic drugs:No charge after deductible
MORE INFORMATION
- Person Number1 (Age 55): Covered
---------------------------------------------------
Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze PPO
- Plan ID: 60536SD0020023
$11
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $396
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
- Primary doctor:30% Coinsurance after deductible
- Specialist doctor:30% Coinsurance after deductible
- Emergency room care:30% Coinsurance after deductible
- Generic drugs:$25
----------------------------------
Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 31195SD0080003
$37
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $423
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:40% Coinsurance after deductible
- Specialist doctor:40% Coinsurance after deductible
- Emergency room care:40% Coinsurance after deductible
- Generic drugs:40% Coinsurance after deductible
there are several more
- Person Number1 (Age 55): Cov
You probably qualify for a Special Enrollment Period
Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.
It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.
If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)
ok, so it depends on the State's Law on it for Adults without children.The poorest of the poor have gotten MEDICAID in every state for DECADES now...each State has their own qualifying rules and MEDICAID as said has been around forever.The premium rates are not too much higher, if they are lower income then not too much at all...and absolutely well worth it, they get the equivalent of a Platinum Plan, the highest coverage there is....for mere dollars a year, if they are poor....butttt, if they are healthy and young and poor with no family and they want to just take out a bronze plan to save a couple of dollars a month on the premium, they can...but please don't complain later if they do end up getting sick and have to pay the $5200 maximum out of pocket.You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.
Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.
It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.
If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)
You have simply chosen the WRONG plan,
the other guy said that the poor could not get a bronze plan and MUST get a silver one
now you come along and say the poor simply picked the wrong plan
--LOL
what if they can not afford high premium rates
How to save on out-of-pocket health care costs HealthCare.gov
If you qualify for savings on out-of-pocket costs, you’ll pay lower deductibles, coinsurance, and copayments. These are costs you have to pay when you get care.
When you apply for coverage in the Marketplace, you'll learn if you’re eligible for savings, which are sometimes called “cost-sharing reductions.”
Savings depend on your 2015 income
If your household income falls in these ranges, you’ll save on out-of-pocket costs. The lower your income within these ranges, the more you’ll save on out-of-pocket costs. Learn how to estimate your income for the Marketplace.
- $11,670 to $29,175 for individuals
- $15,730 to $39,325 for a family of 2
- $19,790 to $49,475 for a family of 3
- $23,850 to $59,625 for a family of 4
- $27,910 to $69,775 for a family of 5
- $31,970 to $79,925 for a family of 6
- $36,030 to $90,075 for a family of 7
- $40,090 to $100,225 for a family of 8
Incomes that qualify for cost-sharing reductions are higher in Alaska and Hawaii. See Alaska and Hawaii information.
Learn how to estimate your income and report on your household size.
If your income falls between the amounts shown, you also qualify for premium tax credits that lower your monthly premiums.
Out-of-pocket savings apply only to Silver plans
Plans in the Marketplace are grouped into 4 categories: Bronze, Silver, Gold, and Platinum. Learn more about plan categories and what they mean.
If your income qualifies you for out-of-pocket savings, you must choose a Silver plan to get the savings. You can choose any category of plan you want, but you'll get the out-of-pocket savings only if you enroll in a Silver plan.
Get more information about cost sharing reductions for American Indians and Alaska Natives.
More answers
- Can I save only on out-of-pocket costs?
The very very poor get medicaid, not one of these bronze, silver, gold, platinum plans on the Exchange.
quit your lying to make yourself feel better
the poorest of the poor DO NOT get medicaid in every state
AS FAR AS those Republican governor States that CHOSE not to help their second tier poorest...that's not due to Obamacare, that's due to the INDIVIDUAL STATE'S DECISION.
You should stop lying and do some research on all of this...."ignorance is bliss", for only so long....
The poorest of the poor have gotten MEDICAID in every state for DECADES now
you are full of shit or completely ignorant
get your shit together
Adults without Dependent Children
There is currently no federal requirement that states provide health coverage to adults without dependent children. These adults qualify for Medicaid coverage only if they have a disability or are age 65 or older. However, about half of states provide some coverage through federal waivers or state-funded programs for non-disabled adults who have limited incomes but do not otherwise qualify for Medicaid.
Non-Disabled Adults Medicaid.gov
Of Course! Not all that go on the exchange are poor....even the middle class can get some premium subsidy help if they are unable to get an insurance plan through their employer.this is based on a person making less then 14 k a year age 55
DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 62210SD1450003
$5
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $390
$6,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:No charge after deductible
- Specialist doctor:No charge after deductible
- Emergency room care:No charge after deductible
- Generic drugs:No charge after deductible
MORE INFORMATION
- Person Number1 (Age 55): Covered
---------------------------------------------------
Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze PPO
- Plan ID: 60536SD0020023
$11
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $396
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
- Primary doctor:30% Coinsurance after deductible
- Specialist doctor:30% Coinsurance after deductible
- Emergency room care:30% Coinsurance after deductible
- Generic drugs:$25
----------------------------------
Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 31195SD0080003
$37
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $423
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:40% Coinsurance after deductible
- Specialist doctor:40% Coinsurance after deductible
- Emergency room care:40% Coinsurance after deductible
- Generic drugs:40% Coinsurance after deductible
there are several more
- Person Number1 (Age 55): Cov
You probably qualify for a Special Enrollment Period
I have no idea what you are after here.
that this statement is complete bullshit
"there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help"
i helped several "poor" people get on the exchange and there are several plans with huge deductibles
huge out of pocket and 50 percent co pays
the three plans listed have between the deductible and out of pocket at least 11000 that the insurened is responsible for
not including 50 percent co pays and such
She voted for Obama simply because he was black, she can live with the consequences.
And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.You are simply wrong on ALL accounts on this roadrunner.Hard for the poor here to go to Mexico.
Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.
What they now have is catastrophic coverage at a very high rate.
there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:
Cost Sharing Reduction.
So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.
In addition to this,
ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....
this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...
"
You are simply wrong on ALL accounts on this roadrunner.
there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"
Never use the word all, there are many who get a subsidy that do not get cost sharing.
You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.
"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."
No,not all plans have co-pays.
this is based on a person making less then 14 k a year age 55
DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 62210SD1450003
$5
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $390
$6,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:No charge after deductible
- Specialist doctor:No charge after deductible
- Emergency room care:No charge after deductible
- Generic drugs:No charge after deductible
MORE INFORMATION
- Person Number1 (Age 55): Covered
---------------------------------------------------
Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze PPO
- Plan ID: 60536SD0020023
$11
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $396
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
- Primary doctor:30% Coinsurance after deductible
- Specialist doctor:30% Coinsurance after deductible
- Emergency room care:30% Coinsurance after deductible
- Generic drugs:$25
----------------------------------
Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 31195SD0080003
$37
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $423
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:40% Coinsurance after deductible
- Specialist doctor:40% Coinsurance after deductible
- Emergency room care:40% Coinsurance after deductible
- Generic drugs:40% Coinsurance after deductible
there are several more
- Person Number1 (Age 55): Cov
You probably qualify for a Special Enrollment Period
Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.
It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.
If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)
Not all who qualify for a subsidy qualify for cost sharing.
Of Course! Not all that go on the exchange are poor....even the middle class can get some premium subsidy help if they are unable to get an insurance plan through their employer.I have no idea what you are after here.
that this statement is complete bullshit
"there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help"
i helped several "poor" people get on the exchange and there are several plans with huge deductibles
huge out of pocket and 50 percent co pays
the three plans listed have between the deductible and out of pocket at least 11000 that the insurened is responsible for
not including 50 percent co pays and such
She voted for Obama simply because he was black, she can live with the consequences.
And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.You are simply wrong on ALL accounts on this roadrunner.
there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:
Cost Sharing Reduction.
So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.
In addition to this,
ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....
this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...
"
You are simply wrong on ALL accounts on this roadrunner.
there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"
Never use the word all, there are many who get a subsidy that do not get cost sharing.
You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.
"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."
No,not all plans have co-pays.
this is based on a person making less then 14 k a year age 55
DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 62210SD1450003
$5
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $390
$6,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:No charge after deductible
- Specialist doctor:No charge after deductible
- Emergency room care:No charge after deductible
- Generic drugs:No charge after deductible
MORE INFORMATION
- Person Number1 (Age 55): Covered
---------------------------------------------------
Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze PPO
- Plan ID: 60536SD0020023
$11
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $396
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
- Primary doctor:30% Coinsurance after deductible
- Specialist doctor:30% Coinsurance after deductible
- Emergency room care:30% Coinsurance after deductible
- Generic drugs:$25
----------------------------------
Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 31195SD0080003
$37
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $423
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:40% Coinsurance after deductible
- Specialist doctor:40% Coinsurance after deductible
- Emergency room care:40% Coinsurance after deductible
- Generic drugs:40% Coinsurance after deductible
there are several more
- Person Number1 (Age 55): Cov
You probably qualify for a Special Enrollment Period
Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.
It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.
If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)
Not all who qualify for a subsidy qualify for cost sharing.
I posted the link earlier that showed the income ranges per number of people in the family, that QUALIFY for cost sharing reductions. If you are married with near two hands full of kids you can make as much as $100,000 a year and still qualify for some Cost sharing reductions though.
Of Course! Not all that go on the exchange are poor....even the middle class can get some premium subsidy help if they are unable to get an insurance plan through their employer.that this statement is complete bullshit
"there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help"
i helped several "poor" people get on the exchange and there are several plans with huge deductibles
huge out of pocket and 50 percent co pays
the three plans listed have between the deductible and out of pocket at least 11000 that the insurened is responsible for
not including 50 percent co pays and such
She voted for Obama simply because he was black, she can live with the consequences.
And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans."
You are simply wrong on ALL accounts on this roadrunner.
there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"
Never use the word all, there are many who get a subsidy that do not get cost sharing.
You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.
"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."
No,not all plans have co-pays.
this is based on a person making less then 14 k a year age 55
DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 62210SD1450003
$5
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $390
$6,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:No charge after deductible
- Specialist doctor:No charge after deductible
- Emergency room care:No charge after deductible
- Generic drugs:No charge after deductible
MORE INFORMATION
- Person Number1 (Age 55): Covered
---------------------------------------------------
Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
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ESTIMATED MONTHLY PREMIUM
- Bronze PPO
- Plan ID: 60536SD0020023
$11
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $396
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
- Primary doctor:30% Coinsurance after deductible
- Specialist doctor:30% Coinsurance after deductible
- Emergency room care:30% Coinsurance after deductible
- Generic drugs:$25
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Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
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ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 31195SD0080003
$37
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $423
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:40% Coinsurance after deductible
- Specialist doctor:40% Coinsurance after deductible
- Emergency room care:40% Coinsurance after deductible
- Generic drugs:40% Coinsurance after deductible
there are several more
- Person Number1 (Age 55): Cov
You probably qualify for a Special Enrollment Period
Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.
It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.
If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)
Not all who qualify for a subsidy qualify for cost sharing.
I posted the link earlier that showed the income ranges per number of people in the family, that QUALIFY for cost sharing reductions. If you are married with near two hands full of kids you can make as much as $100,000 a year and still qualify for some Cost sharing reductions though.
I took a Dr. through the Exchange 2 adults and 6 kids, he made 100 G's and got a $1000 subsidy, I was stunned.
Of Course! Not all that go on the exchange are poor....even the middle class can get some premium subsidy help if they are unable to get an insurance plan through their employer.She voted for Obama simply because he was black, she can live with the consequences.
And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.this is based on a person making less then 14 k a year age 55
DAKOTACARE · Dakota Reserve 6000
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ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 62210SD1450003
$5
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $390
$6,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:No charge after deductible
- Specialist doctor:No charge after deductible
- Emergency room care:No charge after deductible
- Generic drugs:No charge after deductible
MORE INFORMATION
- Person Number1 (Age 55): Covered
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Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze PPO
- Plan ID: 60536SD0020023
$11
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $396
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
- Primary doctor:30% Coinsurance after deductible
- Specialist doctor:30% Coinsurance after deductible
- Emergency room care:30% Coinsurance after deductible
- Generic drugs:$25
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Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare
ESTIMATED MONTHLY PREMIUM
- Bronze HMO
- National Provider Network
- Plan ID: 31195SD0080003
$37
ESTIMATED DEDUCTIBLE
- Premium before tax credit: $423
$5,000Estimated individual total
ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total
COPAYMENTS / COINSURANCE
PEOPLE COVERED
- Primary doctor:40% Coinsurance after deductible
- Specialist doctor:40% Coinsurance after deductible
- Emergency room care:40% Coinsurance after deductible
- Generic drugs:40% Coinsurance after deductible
there are several more
- Person Number1 (Age 55): Cov
You probably qualify for a Special Enrollment Period
Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.
It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.
If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)
Not all who qualify for a subsidy qualify for cost sharing.
I posted the link earlier that showed the income ranges per number of people in the family, that QUALIFY for cost sharing reductions. If you are married with near two hands full of kids you can make as much as $100,000 a year and still qualify for some Cost sharing reductions though.
I took a Dr. through the Exchange 2 adults and 6 kids, he made 100 G's and got a $1000 subsidy, I was stunned.
AGI of 100k?
Question, would a land rich, cash poor senior, on Medicare, get a subsidy for their supplemental insurance?Of Course! Not all that go on the exchange are poor....even the middle class can get some premium subsidy help if they are unable to get an insurance plan through their employer.You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.
Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.
It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.
If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)
Not all who qualify for a subsidy qualify for cost sharing.
I posted the link earlier that showed the income ranges per number of people in the family, that QUALIFY for cost sharing reductions. If you are married with near two hands full of kids you can make as much as $100,000 a year and still qualify for some Cost sharing reductions though.
I took a Dr. through the Exchange 2 adults and 6 kids, he made 100 G's and got a $1000 subsidy, I was stunned.
AGI of 100k?
Technically MAGI but yes,I found it repugnant....he in NO way needed the subsidy.
I was also having to turn away folks that only made 11500
Of Course! Not all that go on the exchange are poor....even the middle class can get some premium subsidy help if they are unable to get an insurance plan through their employer.You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.
Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.
It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.
If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)
Not all who qualify for a subsidy qualify for cost sharing.
I posted the link earlier that showed the income ranges per number of people in the family, that QUALIFY for cost sharing reductions. If you are married with near two hands full of kids you can make as much as $100,000 a year and still qualify for some Cost sharing reductions though.
I took a Dr. through the Exchange 2 adults and 6 kids, he made 100 G's and got a $1000 subsidy, I was stunned.
AGI of 100k?
Technically MAGI but yes,I found it repugnant....he in NO way needed the subsidy.
I was also having to turn away folks that only made 11500
