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Even before the Affordable Care Act, it took hours of trying to compare insurance plans to select the right one. I like my own doctors and trying to find out if they're in a network or out-of-network is difficult. Asking if the plan covers out-of-network doctors doesn't always get you the correct answer -- one plan I had only covered them if they couldn't find one in-network within a hundred miles. So they can say they cover out-of-network, but practically speaking, they don't.
Insurance companies have also taken to only answering verbally or using those online immediate chats. They don't have to honor answers you receive with those methods.
I've been through a couple of serious illnesses (lymphoma being one) and the best defense seems to be a savings account which isn't always possible.
Life needs balance
Be very careful. The reports that I have seen indicate huge increases in monthly fees and even bigger increases in deductibles. In my personal opinion, the entire program is a huge failure. Rolled out with no testing on the program, poorly specked by the Gov. DEFINITLEY NOT FOR PRIME TIME.
"It is easier to raise good children than to fix bad men" by Fredrick Douglas.
Co team leader for Living With Diabetes team.
Co Leader for Healthy Hearts team.
Leader of Gilbert Speaks team.
I signed up in October, and was referred to my state for consideration to the expanded Medicaid program, however the state lost my application, so I'm stuck. I have an appointment with my county health department next month. I should only be delayed by a month.
"Comparison shop for your health insurance coverage, which is divided into four tiers: platinum, gold, silver and bronze. The lower-level tiers, including silver and bronze coverage, have lower premiums, but they also have higher out-of-pocket costs for consumers.
"Open enrollment: October 1, 2013, through March 31, 2014
"With six months of open enrollment, consumers have time to select an appropriate health plan. However, in order for coverage to begin January 1, 2014, you must pick a plan by December 23, 2013. The information cancer patients may need to know about coverage offered under various plans will not be readily available on healthcare marketplace websites. These websites will be designed to provide only the basic information regarding premiums and copayments for basic services. As an example, if you know that your treatment requires an oral oncology medication, take the time to contact the health plans and ask whether your product is covered and what your out-of-pocket cost will be for the product. You should not purchase coverage without this critical information."
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