Most of these are short term plans 6 - 12 months plans. No long term plan offered for someone 62 yo at this broker. Monthly premium rates are bold. If you don't know what coinsurance is...you pay that % of all healthcare costs. HCC Life Short Term Medical Policy Max: $2 Million 6 months 50% Coinsurance $7,500 DED $355.82 UnitedHealthOne 12 months 30% Coinsurance $10,000 DED $307.60 eHealth Plus 11 months Policy Max: $1 Million 0% Coinsurance $5,000 DED $527.96 HCC Life Insurance Company 6 months Policy Max: $2 Million 20% Coinsurance $5,000 DED $390.06 UnitedHealthOne 12 months Policy Max: $1 Million 30% Coinsurance $5,000 DED $377.80 HCC Life Short Term Medical (50/2500) Policy Max: $2 Million 6 months 50% Coinsurance $2,500 DED $448.51 Standard Life & Accident 6 months Policy Max: $1 Million 50% Coinsurance $10,000 DED $326.86 IHC Group Policy Max: $2 Million 6 months 20% Coinsurance $5,000 DED $700.77 Standard Life & Accident 6 months Select STM Policy Max: $1 Million 30% Coinsurance $10,000 DED $341.37 Standard Life & Accident Policy Max: $1 Million 6 months 50% Coinsurance $7,500 DED $345.42 How does your Obamacare premiums stack up? https://www.ehealthinsurance.com/health-insurance-companies/
Doubt you will get many replies as most people can't answer the question because they simply don't know until they try to use their policy or and don't understand what out of pocket, deductible and co-pay mean or or how they apply. The policiesnyou listed above have extremely high deductibles for the average person. And our patients are finding their insurance covers treatment by a handful of doctors and facilities. And as a provider we are getting insurance denials of payment payment claiming the care was experimental when the care provided is not new or experimental at all. This is one of their new tactics. Insureds don't have the money to fight them legally. Obama care actually gave private insurance companies card Blanche. Nothing in the PPACA as regulated what these companies must pay for, only that they insure you and provide the minimum essential coverage as per HHS mandate. But zthe essence of what that coverage includes was not part of the regulation. Limits on deductibles based on premiums also not part of the regulation. In fact they don't even count previous tobacco use as a preexisting condition. So IF you have ever been but are not currently a smoker they raise your premiums and can actually refuse you coverage.
Ex smokers can still be charged 50% more for premiums under the federal exchange. There are a handful of state exchanges that do not allow higher premiums for being an ex smoker or a current smoker. Although I was incorrect to say smoking is not a pre existing conditions, the insurance companies can legally raise your premium and they can also raise it based on age and where you live. Goggle it if you don't believe me.
And of course before the ACA insurance companies couldn't base their rates on age or local or preexisting conditions.
I think it has to do with how long you have quit. Something I read made it seem like $1400 some odd dollars per year surcharge if you smoke or have smoked within the previous few years, so even if you qualified for free health insurance otherwise, you would still have to pay $1400 out of pocket
as I said goggle as there are too many reference sites. However I suggest you just goggle smokers charged higher premiums for health insurance to start.
OQUOTE=Deckel;1066016281]I think it has to do with how long you have quit. Something I read made it seem like $1400 some odd dollars per year surcharge if you smoke or have smoked within the previous few years, so even if you qualified for free health insurance otherwise, you would still have to pay $1400 out of pocket[/QUOTE] My research on federal health care website and elsewhere, indicates the insurance companies can charge higher premiums if you currently smoke or have a history of tobacco use and also they can charge higher premiums based on your age, as allowed under the PPACA. Under the PPACA insurance companies have to provide you insurance but basically what they can Charge is is still unregulated
What planet are u from? 1400.00 out of pocket isn't the norm. And out of pocket isn't the major concern, it is your deductible. Which most exchange plans is between 6,000 to 10,000.00,a number most can't afford and most semi- healthy people will never meet. Exchange policies mainly cover the majority of doctors visits will a minimal copay between 20-50.00 per visit. Unless you are diagnosed with cancer,aids or another costly disease your insurance does ductible and Out of pocket will likely never be met and your will have to pay for the majority of you hospital,surgical costs and your monthly premium. Those not in the health care field will only understand what a ripoff their insurance is, once they try to use It
