I still say we need to blow up the whole system - get rid of insurance companies would be top on my list of what should happen next.

My insurance company's CEO makes 3X more than any other insurance company CEO - and they have screwed us out of tons of money this year and continue to deny claims for my child's therapy services that are necessary.

There has to be a more sane way to deal with medical costs.

What's the in network deductible?

I thought the point of PPO plans was you had to stay in network. Our PPO has a really high out if network deductible as well. We have to pay cash for our child's psychiatrist and psychologist, neither of whom take insurance at all.

Anonymous wrote:

Anonymous wrote:Prior to the enactment of the ACA, many insurers offered private-market (non-employer sponsored) policies with high deductibles of $10,000 or $20,000, particularly for out-of-network services. The Government isn't forcing anyone to purchase this type of catastrophic care policy.

It's not catastrophic care. That's the deductible on silver plans!

Just checked. There's a $20,000/$40,000 deductible on GOLD plans - the ones costing close to $1000 a month. This whole thing is such a joke.

Anonymous wrote:Prior to the enactment of the ACA, many insurers offered private-market (non-employer sponsored) policies with high deductibles of $10,000 or $20,000, particularly for out-of-network services. The Government isn't forcing anyone to purchase this type of catastrophic care policy.

It's not catastrophic care. That's the deductible on silver plans!

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

No one is paying that, dear.

Why do trolls think people will buy their lies? We're not Russians, we don't fall for this sort of propaganda like you all do.

Of course it's true. Calling me a troll doesn't change the facts.

Please provide proof.

Since you said "please," I'll do it. (It shows 2016..... Couldn't find a 2017 chart, but trust me when I say prices haven't gone down!) Go down to fourth row for the $20k individual deductible....$40k fsmily is a few lines lower. And THIS is what Obama calls affordable care?
https://ih.innovation-health.com/Global/FileLib/Consumer_Business/CS07679_final_highres.pdf

Prior to the enactment of the ACA, many insurers offered private-market (non-employer sponsored) policies with high deductibles of $10,000 or $20,000, particularly for out-of-network services. The Government isn't forcing anyone to purchase this type of catastrophic care policy.

I wouldn't even bother to pay for insurance at that point

Our policy has a $13K family deductible. We're healthy and only see a doctor for annual physicals, so we prefer to keep our premiums low.

When I had surgery, I paid my $6K deductible using HSA money and the rest was covered. That's how I view insurance -- for the catastrophic costs.

Obviously, it works for us because we can afford the $13K. Sounds like you need to choose a different policy.

Anonymous wrote:Which plan, specifically?

Check out Innovation Health, in Virginia. Depending on the metal level, the "main" deductible (for in-network) varies, up to the $7000 max OOP. But if you look at the other column, for out-of-network benefits, it shows $20,000 ind/$40,000 family.

Anonymous wrote:

Anonymous wrote:

No one is paying that, dear.

Why do trolls think people will buy their lies? We're not Russians, we don't fall for this sort of propaganda like you all do.

Of course it's true. Calling me a troll doesn't change the facts.

Please provide proof.

Anonymous wrote:

No one is paying that, dear.

Why do trolls think people will buy their lies? We're not Russians, we don't fall for this sort of propaganda like you all do.

Of course it's true. Calling me a troll doesn't change the facts.

Which plan, specifically?

No one is paying that, dear.

Why do trolls think people will buy their lies? We're not Russians, we don't fall for this sort of propaganda like you all do.

Anonymous wrote:OMG, it's going from bad to worse. One of the so-called "affordable" exchange plans is promoting itself as a PPO - with out of network benefits. Drill down, and you'll see they'll pay for 50% of out of network benefits only after you have met a separate deductible of $20,000! And that's for an individual - a family has a deductible of $40,000. Plus, they admit that they do not necessarily have every specialty in network, and you could be forced out-of-network. At the same time, a low-income person gets their insurance free, no premiums.....no deductible.....no co-pays. This entire legislation is a travesty - and seems to have been designed to demolish the middle class.

When people say this, I always think they give too much credit to our legislature

OMG, it's going from bad to worse. One of the so-called "affordable" exchange plans is promoting itself as a PPO - with out of network benefits. Drill down, and you'll see they'll pay for 50% of out of network benefits only after you have met a separate deductible of $20,000! And that's for an individual - a family has a deductible of $40,000. Plus, they admit that they do not necessarily have every specialty in network, and you could be forced out-of-network. At the same time, a low-income person gets their insurance free, no premiums.....no deductible.....no co-pays. This entire legislation is a travesty - and seems to have been designed to demolish the middle class.