<p>Yes, GP, in my Dd’s policy- the Silver plus, I think it’s called- she can visit a GP for $45, unlimited, and a specialist at $65 unlimited. (psychologists come in under non-specialists, surprisingly), and the charge is $45. It’s not limited to wellness or any other special circumstance. The deductible comes in with any hospitalization, surgery, tests, and most other medical procedures, but the visits are not counted toward the deductible.</p>
<p>Either way, it’s largely a toss up. For a sick person who now cannot see their doctor or a working person facing a doubling of rates it’s still a problem.</p>
<p>Yes, interesteddad, that’s true. But as the mom of a 20 something, single young woman you might be surprised how easy it is to get to that many visits. A yeast infection- visit plus follow-up visit. (2) GYN exam, at least once a year- more if BP pill are in the picture. (4) Any cold that goes into an ear infection, or chest… (5) you get the picture.
I’d love it if she doesn’t make up the difference. It would mean she’s had a good year!</p>
<p>Moon child. Thanks for talking about the silver plan. Nobody has really talked about that one. If someone had a kid who needed a lot of doc visits, that might be an alternative</p>
<p>I think my Dd’s premium is around $250, give or take. I’m not sure what the exact $$ came in as but I’ll ask when I see her tomorrow.</p>
<p>Currently, a bronze plan is going to cost $1,110 a month for my wife and me. I can only imagine how much a silver plan is going to cost. How much extra will I pay for that copay? I guess I could look but I know it won’t be good news.</p>
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<p>I think it’s (the Silver) a good choice for young people, in general, who happen to put off going to the doctor until it’s really a bad situation. Isn’t that most 20-somethings? This is where the “preventative” key comes in. If a person goes to the doc when a problem first arises, it can often be treated quickly and effectively. If you wait, sometimes it creates worse problems that then require more extensive (and expensive) treatments.</p>
<p>If you want to know what silver offers, yes, you can go to the plans themselves. </p>
<p>I just found out there will be no change to the doctors on my current PPO list.</p>
<p>[Insurers</a> are furious about the White House?s new Obamacare plan](<a href=“http://www.washingtonpost.com/blogs/wonkblog/wp/2013/11/14/insurers-are-furious-about-the-white-houses-new-obamacare-plan/]Insurers”>http://www.washingtonpost.com/blogs/wonkblog/wp/2013/11/14/insurers-are-furious-about-the-white-houses-new-obamacare-plan/)</p>
<p>GP- I’m sure there is a pretty big difference in incomes between my Dd and you and your wife. There’s the rub- and why you pay so much more. Rates are based on income and where you live.
She still makes too much for subsidies, though.
(She’s probably trade your income for hers, and take your premium gladly.)</p>
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<p>But usually not. Most things get better by themselves, especially among the young. </p>
<p>The whole preventative care as a money saver was vastly over sold.</p>
<p>I don’t see how a silver plan would be better than the cheapest highest deductible plan for the young and healthy. The numbers do not add up. Preventative visits are covered in all plans.</p>
<p>Twenty-somethings could always get pretty reasonable rates. </p>
<p>No-one is saying there weren’t problems but there are still problems.</p>
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<p>^^^^Maybe, but not our experience.</p>
<p>“I’m sure there is a pretty big difference in incomes between my Dd and you and your wife. There’s the rub- and why you pay so much more. Rates are based on income and where you live.”</p>
<p>Income has no bearing on premium if not eligible for subsidies. </p>
<p>Age and location - definitely.</p>
<p>The cheapest (Bronze plans) do not have the feature of unlimited doc visits. They may give you two or three “Wellness visits”, but try to use that when you go in for an infection, and it won’t count. You’ll wind up paying.
It may not “add up” for some, if you never go to the doctor. Sure.</p>
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<p>This is true. And age is a factor.</p>
<p>So, GP, I still say my Dd would trade your income and premium for hers—but not your age. ;)</p>
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<p>I know that this concept continues to elude you, but those figures are based an averages – you have been paying preferred, below-average rates for years. </p>
<p>You have been buying at a discount and so now that the discount is no longer available, your perception is that the rates have gone way up. But there are others who have been paying more, and are relieved to see that their rates are going down.</p>
<p>Link from post 4489.</p>
<p>You can just see that insurance companies really don’t care if they released it in the middle of the press conference.</p>
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<p>To be fair to them, the Press Conference about how the ship was being righted and things were going to go smoothly from then on started 35 minutes late. </p>
<p>Also…
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<p>So why is Sebelius still employed? Obama is claiming he was lied to by HHS. The first ‘fix’ I would implement would be to put someone competent in charge.</p>