Report your experience with getting insurance via ACA (1 Viewer)

[matttyl]

Florida

So BCBS is raising rates ~19% in Florida. I would assume they are one of the, if not the largest carrier there.

 

[matttyl]

As open enrollment approaches, I was interested in others experiences on rate and coverage changes for 2015. I was prepared for a rate increase, but Anthem is also implementing additional back door increases by raising out of pocket max and all deductibles (exc generic drugs which actually went down). More for less. Yay ACA.

Where are you from? In my area, that carrier (technically Blue Cross Blue Shield) isn't raising their rates too much (mostly under 10%), but they are doing the higher max OOP as well as shifting around their drug formulary to get people paying more out of pocket.

CT, but seems similar. It is only 8% rate increase (They filed for 12% IIRC). Copay changes: Primary doc +$10, Specialist +5, Tier 2 Drug +20, Emergency Room +50. Mental health hospitalization (both in/outpatient) have $500 copay (zero before), PET scan from 75 to 400

VA they are wiping out the specialist co-pay all together. You have to hit your deductible and then have those covered via whatever your coinsurance is (if you have coinsurance after your deductible)

 

[GoBirds]

Our company went with the most similar plan to what we had through Optima and for a 30yr old saw a 52% increase and I'm 35 and saw a 32% increase.

 

[matttyl]

Our company went with the most similar plan to what we had through Optima and for a 30yr old saw a 52% increase and I'm 35 and saw a 32% increase.

Aren't 3:1 age band rating restrictions fun?

 

[Christo]

So my insurance company is being liquidated. Yay!

 

[KingPrawn]

Mine has a very similar story. Still in business but not looking real good

common-ground-healthcare-cooperative-faces-a-few-fateful-months

Sounds like the guberment pulled the rug out from under them on several occasions.