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Has anyone successfully navigated ObamaCare?
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<blockquote data-quote="Kathy813" data-source="post: 613467" data-attributes="member: 1967"><p>My difficult child called this morning and was able to enroll. She got a silver plan for $81.00 a month. It has good coverage and low copays. She put the service rep on speaker (with her permission) and so I got to hear the options, too. The next step up was $160 a month which she can't afford. She also went ahead and enrolled in a dental plan that was separate from the health care plan for $10.99 a month. I believe her deductible was $1000 but that was separate from her doctor visits with copays of $20. Also, preventative care has no copays and is separate from the deductible. </p><p></p><p>That $6300 number you hear about is the out of pocket maximum. That is not the same as a deductible. I don't believe all plans have the same out of pocket maximum, either. It depends on the level of plan that you pick. The silver plan can be no more than $2250 (see below). From what I have seen, only the catastrophic plans have the $6300 out of pocket before they will pay anything. Your son does not want one of those!</p><p></p><p>Here is an excellent site for you to go to. It pretty much hit the cost of her health care premiums on the nose for my daughter:<a href="http://kff.org/interactive/subsidy-calculator/" target="_blank">http://kff.org/interactive/subsidy-calculator/</a></p><p></p><p>Here is some information from the site:</p><p></p><p></p><p></p><p>I believe my difficult child will also qualify for help with the copays based on what I read on the website so I plan to follow up on that, too. I am so relieved that she will finally have health insurance.</p><p></p><p>difficult child did the first part of the application on the website with no problems but when it was when she came to going into the marketplace that she got stuck but it gave her a number to call. She had about a five minute wait and then the woman we talked to was very nice and helpful. It took about a total of 30 minutes after she got on the phone. I would say that the whole process start to finish was 45 minutes.</p><p></p><p>There is a lot of misinformation being spread about the Affordable Care Act. Please don't be misled by those who want it to fail. Read up on it (the site above has awesome information) and talk to the representatives of the marketplace.</p><p></p><p>~Kathy</p></blockquote><p></p>
[QUOTE="Kathy813, post: 613467, member: 1967"] My difficult child called this morning and was able to enroll. She got a silver plan for $81.00 a month. It has good coverage and low copays. She put the service rep on speaker (with her permission) and so I got to hear the options, too. The next step up was $160 a month which she can't afford. She also went ahead and enrolled in a dental plan that was separate from the health care plan for $10.99 a month. I believe her deductible was $1000 but that was separate from her doctor visits with copays of $20. Also, preventative care has no copays and is separate from the deductible. That $6300 number you hear about is the out of pocket maximum. That is not the same as a deductible. I don't believe all plans have the same out of pocket maximum, either. It depends on the level of plan that you pick. The silver plan can be no more than $2250 (see below). From what I have seen, only the catastrophic plans have the $6300 out of pocket before they will pay anything. Your son does not want one of those! Here is an excellent site for you to go to. It pretty much hit the cost of her health care premiums on the nose for my daughter:[URL="http://kff.org/interactive/subsidy-calculator/"]http://kff.org/interactive/subsidy-calculator/[/URL] Here is some information from the site: I believe my difficult child will also qualify for help with the copays based on what I read on the website so I plan to follow up on that, too. I am so relieved that she will finally have health insurance. difficult child did the first part of the application on the website with no problems but when it was when she came to going into the marketplace that she got stuck but it gave her a number to call. She had about a five minute wait and then the woman we talked to was very nice and helpful. It took about a total of 30 minutes after she got on the phone. I would say that the whole process start to finish was 45 minutes. There is a lot of misinformation being spread about the Affordable Care Act. Please don't be misled by those who want it to fail. Read up on it (the site above has awesome information) and talk to the representatives of the marketplace. ~Kathy [/QUOTE]
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