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Some of those cost savings come from the exchange plans' narrower networks that's fewer available doctors and hospitals to choose from.
But what about all those news stories about people whose premiums had shot way up? Those were often people whose pre-ACA insurance did not meet even the most basic standards set forth by the law.
"Often" is a codeword used to say "we can't make a statistical statement and we can't even say 'most' so we'll just say that it's more than one." That said, one of the "most basic standards" that plans did not cover was no-cost birth control. So if the non-compliant plan charged $50 for a pap smear and $10 per month for Previfem, it was lumped into this category.
So here's a direct statistical reference:
"More than half the people in the individual market had coverage below the bronze level of 60%, the lowest level in the exchanges."
About 20 of my current clients are single men that have had vasectomies. They have no need for a bronze level plan when it comes to birth control, and all of them had plans that were compliant in all other areas. The other issue is that this study did not delineate those with catastrophic policies, those with high deductibles but generous benefits beyond $5000. For a professional couple that has a decent emergency fund, this was a great option for health insurance. Under normal circumstances they got cash payment discounts because their deductibles were high and the insurance only kicked in for major medical issues. The premiums were low, they weren't locked into any small networks for routine care, and their overall value was actually greater than similar situations with people on employer plans that had a myriad matrix of co-payments.
one of the thing that OBAMA did when he was talking to the insurance companies on pricing, it was about birth control and costing the policy holder nothing... the Insurance companies came up with the Idea that they would rather charge the policy holders nothing for birth control... their reasoning was it a hell of a lot cheaper to give out birth control pill then it was to Pay for a pregnancy to full term ... Obama agreeded with them... according to the insurance companies, birth control pill, they aren't charging to the policy holder or pricing it in some other part of the policy ... that's what the insurance companies are saying ... so nice try ... try again
The way the High Deductible Plan work is this.
Ded is 3500......
You go to the Dr....the visit costs 200 bucks...that 200 bucks go toward your ded.....(YOU PAY IT).
He prescribes whatever, it costs 65 bucks...you [ay it, it goes toward your ded.
YOU pay everything until DED is hit, then co-insurance kicks and you andthe insurance company start splitting it at whatever oercentage your paln is until youhit your max out of pocket, then you are done the insurance complany is paying everything at 100% for the rest of the year.
So YES, the POLICY HOLDER pays EVERYTHING until the DEDUCTIBLE is hit in MOST high deductible plans.
The way the High Deductible Plan work is this.
Ded is 3500......
You go to the Dr....the visit costs 200 bucks...that 200 bucks go toward your ded.....(YOU PAY IT).
He prescribes whatever, it costs 65 bucks...you [ay it, it goes toward your ded.
YOU pay everything until DED is hit, then co-insurance kicks and you andthe insurance company start splitting it at whatever oercentage your paln is until youhit your max out of pocket, then you are done the insurance complany is paying everything at 100% for the rest of the year.
So YES, the POLICY HOLDER pays EVERYTHING until the DEDUCTIBLE is hit in MOST high deductible plans.
How does resolution of network vs. non-network deductable work or are they totally separate accounts?
It can still double what an individual or a family can owe out of pocket to 12,700 or 25,400.
when THE ACA was first being discussed one of the things that the obama administration look at is would religious institutions object to birth control being sold on their policy ... and if they did how should be handle it ... the insurance companies came to the Obama administration in the beginning and they talked to obama ...this is well know its been in the press many times ... what obama did was compare the price of bring a baby to full term and the price of offering birth control for free ... the insurance companies are know for not wanting to pay large sums of money out, this is a no brainer ...so the insurance companies came to the conclusion it would be more cost effective to give the birth control pills for free in their policies... as for me giving you a link ...many here know, I don't give out links ... if you want to prove what I've said here to be inaccurate, then its up to you to go and find out the information to prove me to be wrong... I don't prove myself wrong ... thats your job ..."Often" is a codeword used to say "we can't make a statistical statement and we can't even say 'most' so we'll just say that it's more than one." That said, one of the "most basic standards" that plans did not cover was no-cost birth control. So if the non-compliant plan charged $50 for a pap smear and $10 per month for Previfem, it was lumped into this category.
So here's a direct statistical reference:
About 20 of my current clients are single men that have had vasectomies. They have no need for a bronze level plan when it comes to birth control, and all of them had plans that were compliant in all other areas. The other issue is that this study did not delineate those with catastrophic policies, those with high deductibles but generous benefits beyond $5000. For a professional couple that has a decent emergency fund, this was a great option for health insurance. Under normal circumstances they got cash payment discounts because their deductibles were high and the insurance only kicked in for major medical issues. The premiums were low, they weren't locked into any small networks for routine care, and their overall value was actually greater than similar situations with people on employer plans that had a myriad matrix of co-payments.
one of the thing that OBAMA did when he was talking to the insurance companies on pricing, it was about birth control and costing the policy holder nothing... the Insurance companies came up with the Idea that they would rather charge the policy holders nothing for birth control... their reasoning was it a hell of a lot cheaper to give out birth control pill then it was to Pay for a pregnancy to full term ... Obama agreeded with them... according to the insurance companies, birth control pill, they aren't charging to the policy holder or pricing it in some other part of the policy ... that's what the insurance companies are saying ... so nice try ... try again
Feel free to prove your claim with a link. I've not heard anything like this from any insurance company and I deal with several. I could be wrong though, so please assist me in my education of health insurance company practices. Start with a link.
my last insurance policy Covered Colorado ... I went to the doctor for a visit and got a physical it cost me, oh wait nothing ... accept the copay... they sent me in for a blood test it cost me, oh wait ... I paid nothing their too ... then they sent me to get a Colonoscopy becasue I was 60 at the time it was time for one ... it cost me nothing ... then I had a kidney stone they gave me a ct scan and it you guess it it cost me nothing...no, you are correct ... you can't stand the idea that I prove you to be a liar... you said from the get go you have to meet your deductible first to go see your doctor ... I said NO !!!! you don't ... you said you have to meet your deductible first to get your med ... I said NO !!!! you don't ... you can't stand it that you go called on it and caught in a liebilly is incorrect
you have to meet your deductible first to go see your doctor
bs billyboy
poor, Poor ZOOM ding-a-ling, he should shut the fuck up and stop making a fool of himself...
here's what the moron said ...for him to go to the doctor he has to pay his entire deductible first .... nobody pays their entire deductible first ...nobody !!!! they pay a copay, as I stated before you made a fucking fool of your self Zoom Ding-a-ling ... nobody has to pay their entire deductible first to get their med paid for ... they do pay a copay as I stated before you made a fucking fool of yourself Zoom Ding-a-ling... this is what the conversation is about ...try and keep up you fucking moron ...
You weren't slapped as a baby you were drop kicked across the room, weren't you?
From the (un)aca link I posted above:
Primary Doctor: No Charge after Deductible
Specialist Doctor: No Charge after Deductible
Generic Prescription: No Charge after Deductible
ER Visit: No Charge after Deductible
No charge AFTER deductible.
AFTER deductible.
AFTER DEDUCTIBLE.
This plan requires you MEET THE DEDUCTIBLE of 6K FIRST for primary doc, specialists, rx and er visits BEFORE THE PLAN STARTS PAYING.
Plain English and you can't even understand it.
Of course you don't want to talk about this, you can't comprehend that in order for millions to get a subsidy that other people's premiums have skyrocketed in order to pay for the subsidies.
The level of retard in you is simply astounding.
Deductible The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won't pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible.The deductible may not apply to all services. (BR)we aren't talking about this try and keep up
It's exactly what we're talking about!
I just showed you a plan that requires you to meet the deductible BEFORE the plan starts covering doc, specialist, rx, er visits. The only difference between that plan and what is posted directly above? The plan I posted has a $6K deductible rather than a $1K deductible. The plan I posted sucks even more!
Please keep posting your inane shit ... we are all enjoying the bellylaughs!
what a yucky plan
What is the overall
deductible?
For participating providers
$6,000 person / $12,000 family.
For non-participating providers
$15,000 person / $30,000
family. Deductible may not apply
to all services. See your cost
information starting on page 2
for specific details.
You must pay all the costs up to the deductible amount before this plan begins to pay
for covered services you use. Check your policy or plan document to see when the
deductible starts over (usually, but not always, January 1st). See the chart starting on
page 2 for how much you pay for covered services after you meet the deductible.
http://www.ibx4you.com/pdfs/ffm/ppo_bronze_reserve.pdf
jon berzerk we aren't speaking about Primary Doctor: No Charge after Deductible
Specialist Doctor: No Charge after Deductible
Generic Prescription: No Charge after Deductible
ER Visit: No Charge after Deductible
No charge AFTER deductible.
we are talking about a Doctor visit...
jon berzerk we aren't speaking about Primary Doctor: No Charge after Deductible
Specialist Doctor: No Charge after Deductible
Generic Prescription: No Charge after Deductible
ER Visit: No Charge after Deductible
No charge AFTER deductible.
we are talking about a Doctor visit...
Derp. That's EXACTLY what the info I posted is referring to. Primary Doctor = Doctor's visit. This plan requires you meet your deductible of 6K before it starts paying. You didn't bother going to the link I provided did you? Fucking retard.
This:
Primary Doctor: No Charge after Deductible
Specialist Doctor: No Charge after Deductible
Generic Prescription: No Charge after Deductible
ER Visit: No Charge after Deductible
is listed under "copayments/coinsurance".
The next plan at the link I provided lists this under "copayments/coinsurance":
Primary Doctor: $40
Specialist Doctor: $80
Generic Prescription: $10
ER Visit: No Charge after Deductible
MEANING you have a $40 copay for a doc visit; $80 copay for a specialist visit; $10 copay for an er visit; you get jack squat benefit for an er visit until you meet your deductible.
billy-ye-fucking-retard ... every post you make, every word you type, just proves what a brainwashed idiot you are.
The way the High Deductible Plan work is this.
Ded is 3500......
You go to the Dr....the visit costs 200 bucks...that 200 bucks go toward your ded.....(YOU PAY IT).
He prescribes whatever, it costs 65 bucks...you [ay it, it goes toward your ded.
YOU pay everything until DED is hit, then co-insurance kicks and you andthe insurance company start splitting it at whatever oercentage your paln is until youhit your max out of pocket, then you are done the insurance complany is paying everything at 100% for the rest of the year.
So YES, the POLICY HOLDER pays EVERYTHING until the DEDUCTIBLE is hit in MOST high deductible plans.
whatever percentage your plan is until you hit your max out of pocket, then you are done the insurance company is paying everything at 100% for the rest of the year.
yes but only on covered services
The way the High Deductible Plan work is this.
Ded is 3500......
You go to the Dr....the visit costs 200 bucks...that 200 bucks go toward your ded.....(YOU PAY IT).
He prescribes whatever, it costs 65 bucks...you [ay it, it goes toward your ded.
YOU pay everything until DED is hit, then co-insurance kicks and you andthe insurance company start splitting it at whatever oercentage your paln is until youhit your max out of pocket, then you are done the insurance complany is paying everything at 100% for the rest of the year.
So YES, the POLICY HOLDER pays EVERYTHING until the DEDUCTIBLE is hit in MOST high deductible plans.
whatever percentage your plan is until you hit your max out of pocket, then you are done the insurance company is paying everything at 100% for the rest of the year.
yes but only on covered services
Thats not a change, it has always been that way.
my last insurance policy Covered Colorado ... I went to the doctor for a visit and got a physical it cost me, oh wait nothing ... accept the copay... they sent me in for a blood test it cost me, oh wait ... I paid nothing their too ... then they sent me to get a Colonoscopy becasue I was 60 at the time it was time for one ... it cost me nothing ... then I had a kidney stone they gave me a ct scan and it you guess it it cost me nothing...no, you are correct ... you can't stand the idea that I prove you to be a liar... you said from the get go you have to meet your deductible first to go see your doctor ... I said NO !!!! you don't ... you said you have to meet your deductible first to get your med ... I said NO !!!! you don't ... you can't stand it that you go called on it and caught in a lie
you have to meet your deductible first to go see your doctor
bs billyboy
I'm 63 now I went to get the yearly physical and guess what moron the office visit cost me nothing... acceept the copay ... the blood tess under Obama care it too cost me nothing ... I'm not ready for another butt scoping yet but when it is time, it too will cost me nothing... where ever you get this Bull SHIt from and that's what it is, "bull shit" ... that you have to pay your deductible first before you can get a doctors visit is total bull shit...
You weren't slapped as a baby you were drop kicked across the room, weren't you?
From the (un)aca link I posted above:
Primary Doctor: No Charge after Deductible
Specialist Doctor: No Charge after Deductible
Generic Prescription: No Charge after Deductible
ER Visit: No Charge after Deductible
No charge AFTER deductible.
AFTER deductible.
AFTER DEDUCTIBLE.
This plan requires you MEET THE DEDUCTIBLE of 6K FIRST for primary doc, specialists, rx and er visits BEFORE THE PLAN STARTS PAYING.
Of course you don't want to talk about this, you can't comprehend that in order for millions to get a subsidy that other people's premiums have skyrocketed in order to pay for the subsidies.
The level of retard in you is simply astounding.
It's exactly what we're talking about!
I just showed you a plan that requires you to meet the deductible BEFORE the plan starts covering doc, specialist, rx, er visits. The only difference between that plan and what is posted directly above? The plan I posted has a $6K deductible rather than a $1K deductible. The plan I posted sucks even more!
Please keep posting your inane shit ... we are all enjoying the bellylaughs!
what a yucky plan
What is the overall
deductible?
For participating providers
$6,000 person / $12,000 family.
For non-participating providers
$15,000 person / $30,000
family. Deductible may not apply
to all services. See your cost
information starting on page 2
for specific details.
You must pay all the costs up to the deductible amount before this plan begins to pay
for covered services you use. Check your policy or plan document to see when the
deductible starts over (usually, but not always, January 1st). See the chart starting on
page 2 for how much you pay for covered services after you meet the deductible.
http://www.ibx4you.com/pdfs/ffm/ppo_bronze_reserve.pdf
from the get go I said you don't pay a deductible to visit your doctor ... you pay a copay that's nothing new ... no different from now then it was before the ACA ...now you are trying to call a copay a deductible ... priceless .. you get nailed for lying and now the old tap shoes come out ....its a copay deal with it... if you want to start with the key stroke mistakes I will get in to every one yours you can be sure of that and you do make a lot ...you sure love to spin it when you've been caught out and out lying nice try but you lost
You weren't slapped as a baby you were drop kicked across the room, weren't you?
From the (un)aca link I posted above:
Primary Doctor: No Charge after Deductible
Specialist Doctor: No Charge after Deductible
Generic Prescription: No Charge after Deductible
ER Visit: No Charge after Deductible
No charge AFTER deductible.
AFTER deductible.
AFTER DEDUCTIBLE.
This plan requires you MEET THE DEDUCTIBLE of 6K FIRST for primary doc, specialists, rx and er visits BEFORE THE PLAN STARTS PAYING.
Of course you don't want to talk about this, you can't comprehend that in order for millions to get a subsidy that other people's premiums have skyrocketed in order to pay for the subsidies.
The level of retard in you is simply astounding.
It's exactly what we're talking about!
I just showed you a plan that requires you to meet the deductible BEFORE the plan starts covering doc, specialist, rx, er visits. The only difference between that plan and what is posted directly above? The plan I posted has a $6K deductible rather than a $1K deductible. The plan I posted sucks even more!
Please keep posting your inane shit ... we are all enjoying the bellylaughs!
what a yucky plan
What is the overall
deductible?
For participating providers
$6,000 person / $12,000 family.
For non-participating providers
$15,000 person / $30,000
family. Deductible may not apply
to all services. See your cost
information starting on page 2
for specific details.
You must pay all the costs up to the deductible amount before this plan begins to pay
for covered services you use. Check your policy or plan document to see when the
deductible starts over (usually, but not always, January 1st). See the chart starting on
page 2 for how much you pay for covered services after you meet the deductible.
http://www.ibx4you.com/pdfs/ffm/ppo_bronze_reserve.pdf
from the get go I said you don't pay a deductible to visit your doctor ... you pay a copay that's nothing new ... no different from now then it was before the ACA ...now you are trying to call a copay a deductible ... priceless .. you get nailed for lying and now the old tap shoes come out ....its a copay deal with it... if you want to start with the key stroke mistakes I will get in to every one yours you can be sure of that and you do make a lot ...you sure love to spin it when you've been caught out and out lying nice try but you lost
JB you do realize Covered California is in the only state that makes the top five in narrowness of networks and in lowest remuneration rates to caregivers? Therefore in the not very longrun you are screwed, blued and tattooed.
when THE ACA was first being discussed one of the things that the obama administration look at is would religious institutions object to birth control being sold on their policy ... and if they did how should be handle it ... the insurance companies came to the Obama administration in the beginning and they talked to obama ...this is well know its been in the press many times ... what obama did was compare the price of bring a baby to full term and the price of offering birth control for free ... the insurance companies are know for not wanting to pay large sums of money out, this is a no brainer ...so the insurance companies came to the conclusion it would be more cost effective to give the birth control pills for free in their policies... as for me giving you a link ...many here know, I don't give out links ... if you want to prove what I've said here to be inaccurate, then its up to you to go and find out the information to prove me to be wrong... I don't prove myself wrong ... thats your job ...one of the thing that OBAMA did when he was talking to the insurance companies on pricing, it was about birth control and costing the policy holder nothing... the Insurance companies came up with the Idea that they would rather charge the policy holders nothing for birth control... their reasoning was it a hell of a lot cheaper to give out birth control pill then it was to Pay for a pregnancy to full term ... Obama agreeded with them... according to the insurance companies, birth control pill, they aren't charging to the policy holder or pricing it in some other part of the policy ... that's what the insurance companies are saying ... so nice try ... try again
Feel free to prove your claim with a link. I've not heard anything like this from any insurance company and I deal with several. I could be wrong though, so please assist me in my education of health insurance company practices. Start with a link.
"Often" is a codeword used to say "we can't make a statistical statement and we can't even say 'most' so we'll just say that it's more than one." That said, one of the "most basic standards" that plans did not cover was no-cost birth control. So if the non-compliant plan charged $50 for a pap smear and $10 per month for Previfem, it was lumped into this category.Some of those cost savings come from the exchange plans' narrower networks that's fewer available doctors and hospitals to choose from.
But what about all those news stories about people whose premiums had shot way up? Those were often people whose pre-ACA insurance did not meet even the most basic standards set forth by the law.
So here's a direct statistical reference:
About 20 of my current clients are single men that have had vasectomies. They have no need for a bronze level plan when it comes to birth control, and all of them had plans that were compliant in all other areas. The other issue is that this study did not delineate those with catastrophic policies, those with high deductibles but generous benefits beyond $5000. For a professional couple that has a decent emergency fund, this was a great option for health insurance. Under normal circumstances they got cash payment discounts because their deductibles were high and the insurance only kicked in for major medical issues. The premiums were low, they weren't locked into any small networks for routine care, and their overall value was actually greater than similar situations with people on employer plans that had a myriad matrix of co-payments."More than half the people in the individual market had coverage below the bronze level of 60%, the lowest level in the exchanges."
one of the thing that OBAMA did when he was talking to the insurance companies on pricing, it was about birth control and costing the policy holder nothing... the Insurance companies came up with the Idea that they would rather charge the policy holders nothing for birth control... their reasoning was it a hell of a lot cheaper to give out birth control pill then it was to Pay for a pregnancy to full term ... Obama agreeded with them... according to the insurance companies, birth control pill, they aren't charging to the policy holder or pricing it in some other part of the policy ... that's what the insurance companies are saying ... so nice try ... try again
when THE ACA was first being discussed one of the things that the obama administration look at is would religious institutions object to birth control being sold on their policy ... and if they did how should be handle it ... the insurance companies came to the Obama administration in the beginning and they talked to obama ...this is well know its been in the press many times ... what obama did was compare the price of bring a baby to full term and the price of offering birth control for free ... the insurance companies are know for not wanting to pay large sums of money out, this is a no brainer ...so the insurance companies came to the conclusion it would be more cost effective to give the birth control pills for free in their policies... as for me giving you a link ...many here know, I don't give out links ... if you want to prove what I've said here to be inaccurate, then its up to you to go and find out the information to prove me to be wrong... I don't prove myself wrong ... thats your job ...one of the thing that OBAMA did when he was talking to the insurance companies on pricing, it was about birth control and costing the policy holder nothing... the Insurance companies came up with the Idea that they would rather charge the policy holders nothing for birth control... their reasoning was it a hell of a lot cheaper to give out birth control pill then it was to Pay for a pregnancy to full term ... Obama agreeded with them... according to the insurance companies, birth control pill, they aren't charging to the policy holder or pricing it in some other part of the policy ... that's what the insurance companies are saying ... so nice try ... try again
Feel free to prove your claim with a link. I've not heard anything like this from any insurance company and I deal with several. I could be wrong though, so please assist me in my education of health insurance company practices. Start with a link.
my last insurance policy Covered Colorado ... I went to the doctor for a visit and got a physical it cost me, oh wait nothing ... accept the copay... they sent me in for a blood test it cost me, oh wait ... I paid nothing their too ... then they sent me to get a Colonoscopy becasue I was 60 at the time it was time for one ... it cost me nothing ... then I had a kidney stone they gave me a ct scan and it you guess it it cost me nothing...no, you are correct ... you can't stand the idea that I prove you to be a liar... you said from the get go you have to meet your deductible first to go see your doctor ... I said NO !!!! you don't ... you said you have to meet your deductible first to get your med ... I said NO !!!! you don't ... you can't stand it that you go called on it and caught in a lie
you have to meet your deductible first to go see your doctor
bs billyboy
I'm 63 now I went to get the yearly physical and guess what moron the office visit cost me nothing... acceept the copay ... the blood tess under Obama care it too cost me nothing ... I'm not ready for another butt scoping yet but when it is time, it too will cost me nothing... where ever you get this Bull SHIt from and that's what it is, "bull shit" ... that you have to pay your deductible first before you can get a doctors visit is total bull shit...
