<p><a href=“https://m.bcbsnc.com/bcbsnc/p?display=Home&kdeeplink=true#_frmHome[/url]”>https://m.bcbsnc.com/bcbsnc/p?display=Home&kdeeplink=true#_frmHome</a></p>
<p>Click on shop for plans</p>
<p>Click on brochure</p>
<p>Page 5</p>
<p>NJRes, looks like a bug to me. I suggest calling tomorrow and seeing what they say. When I looked at the listing of the plans in the shop & compare section, it said the Advantage plan was eligible for a subsidy.</p>
<p>NJRes – was the Advantage plan offered through the exchange? You should be able to apply the subsidy to any plan on the exchange, but your subsidy amount is keyed to the 2nd lowest cost Silver plan – so let’s take this example - I’m just making up the numbers:</p>
<p>Benchmark Plan - 2nd lowest cost Silver plan: $1000 premium / subsidy $500 - balance $500</p>
<p>Bronze Plan – premium $800 / subsidy $500 - balance $300</p>
<p>Higher cost Silver plan: $1200 premium / subsidy $500 – balance $700</p>
<p>Gold plan - $1400 premium / subsidy $500 - balance $900</p>
<p>Anyway, the point is that the subsidy dollar amount is determined by the benchmark plan-- but you should be able to apply that same dollar amount to any other plan. </p>
<p>So I’m wondering if your confusion is that there isn’t any subsidy at all for you, or if it is just that the Advantage plan is significantly higher in cost and your subsidy just doesn’t go that far. </p>
<p>I do see the Blue Advantage Silver 3500 being offered on the exchange, so it should qualify for a subsidy – but it also is one of the more expensive Silver plans.</p>
<p>All BCBS plans in NC are the same on and off the exchange. There are no other plans than the ones listed. The advantage is the best with all the doctors. I wonder if the government won’t give subsidies to something that expensive, like they won’t with gold and platinum.</p>
<p>Since there is also the cost sharing, maybe it’s the rate they are paying docs on that plan?</p>
<p>They give subsidies on all the plans except the catastrophic, so that can’t be it.</p>
<p>Why are the insurance companies in North Carolina able to sell one plan with all the doctors, yet it is not possible in Ca.?</p>
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<p>What do you mean? Gold and platinum plans qualify for subsidies…</p>
<p>I don’t know. Actually there is a plan with all doctors at every metal level here. But we also have the average price of coverage tripled or doubled. We have only BCBS. No other insurer.
ETA: by subsidy I meant cost sharing with the deductible. My mistake</p>
<p>Someone asked about tiered pharma and ho to get approved for non-formulary Meds. We went through this with employees wife so thought I’d share.</p>
<p>With BCBS, the process is called step therapy. So you try tier one drug, doc reports and advises another drug. Then you try next tier. And so on. Process has to be well-documented.
If the medical evidence is solid, you will likely end up covered (she did.)</p>
<p>For this reason, we’ve paid some attention to the formulary schedules on the different BCBS plans. This plus PPO network is why we’ve been considering the premium versions.</p>
<p>GP, we should have this option. How much would you pay for expanded networks? </p>
<p>The expanded networks plans cost more.</p>
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<p>Why? (12 char)</p>
<p>While I was calling BCBSNC this morning, and being transferred, and on hold, I logged back on to the Healthcare.gov website so I could describe to the representative the issue, and now I see the subsidy being applied to all plans, even gold and platinum plans, and of course the Silver Advantage plan as well. If I hadn’t taken screenshots (pictures of the screen that I have saved as files) last night I would think I am crazy. I probably would have enrolled in the Blue Advantage Plan last night even though it is $100 more per month. Now that I have already chosen the Select plan I will just stick with that. Both of our doctors are in network, my wife’s OB/Gyn is 2nd tier under the Select plan, so will probably be $100 copay instead of $50.</p>
<p>Good for you NJRes. So are you fully enrolled?</p>
<p>Anyone here from Oregon trying to enroll or enrolled?</p>
<p>[Statesman</a> Journal: The Trials Of Cover Oregon » News » OPB](<a href=“http://www.opb.org/news/article/the-trials-of-cover-oregon/]Statesman”>http://www.opb.org/news/article/the-trials-of-cover-oregon/)</p>
<p>I am kind of surprised Oregon spent 300 million for one state. I heard on the radio they are asking people to send paper applications because website still does not work but can’t find anything in google.</p>
<p>[Oregon</a> Obamacare site flounders as feds make progress](<a href=“http://www.cnbc.com/id/101242913]Oregon”>http://www.cnbc.com/id/101242913)</p>
<p>Oregon’s site is a catastrophe and an embarrassment. They haven’t enrolled one single person online. People have to send in paper applications.</p>
<p>They claim their shop & compare section, the part where you don’t log in but you can compare health plans, is working, but when I tried it a week or two ago it kept breaking, and I was unable to get the quotes I tried to get.</p>
<p>NJres, I’ll feel better after you are enrolled and have confirmation from the insurance company, and not a minute earlier.</p>
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<p>And the sad thing is that we have some of the best tech companies in the world residing in the Pacific NW…</p>
<p>Kentucky, of all places, has by all accounts a dandy little site. They kept it simple, and supposedly the whole system is going swimmingly. Who’d have thought that Kentucky would come up with a great site, and Oregon would have nothin’ two months in?</p>
<p>I have nothing against Kentucky. One day I’d like to bike through their Appalachians. But if I were guessing beforehand which state would have a high-tech success story, I wouldn’t have picked Kentucky.</p>
<p>Other states can take a lesson from Kentucky’s solid development effort, which included a long time for repeated testing and changing.</p>