Queen Of Spain Blog: We Just Enrolled In Obamacare

[Playinghardball]

Yup. The entire family just ditched my husband’s employer provided health insurance* and as of January 1, 2014 we’ll be on a plan with a different insurance company. One that, unlike Aetna, decided to go after our business and compete in the marketplace. Our old plan had deductibles, and the out-of-pocket costs were 6k for individuals and 12k per family. This new plan from Blue Shield of California? No deductibles. Lower out-of-pocket maximums. Lower copays. Lower drug costs.

All of our doctors are in-network minus one. But that’s why I got the PPO. It’s also a 90/10 which means we pay 10% of things normally not totally covered like hospital stays and MRIs and what not. Our old plan? 80/20 in network and 60/40 out of network. Keeping in mind just about EVERYTHING for me was out of network. After doing all the math, just to start, we’ll be saving $18,900 per year. That is without knowing if I will be hospitalized in 2014, or need surgery or any of those things. In 2013 I was hospitalized once in July and the bill is still sitting on my desk. I’ve been making payments.

If the judge from my Social Security Disability case rules in my favor, that means I’ll be eligible for Medicare as well. IF that happens, that will mean we may not have much out of pocket at all. This makes me shake and cry. We are one of those families who have been buried in medical debt since I got sick. We’re one of those families the President talks about…the ones who are so close to losing everything because Mom got sick. We’ve re-financed our mortgage using the HARP/HAMP plans with JP Morgan Chase. It wasn’t easy or pretty, but we managed to save some money per month to keep our home. Now we are utilizing Obamacare. And yeah, go ahead and call it Obamacare, because without the President we wouldn’t have this opportunity.

A lot more here: http://queenofspainblog.com/2013/11/13/we-just-enrolled-in-obamacare/

http://theobamadiary.com/

[GladRagDahl]

1. Wat?

When I zoomed in on the details of the screenshot, the plan she chose will cost over $22,000 a year. She most have had some sort of horrific plan before if it was employer provided and still cost her over $40,000 a year. I've never heard of one that high -- but she DOES live in California, so maybe, I guess.

[angstlessk]

2. I zoomed into the confirmation and the premium was $1,178.88 per month

that is $14,098.56 per year NOT $22,000?????????

An there is this: "I look forward to paying our first premium. It will be the same as what we paid out of my husband’s check anyway. However we will now get so much more."

[GladRagDahl]

3. That's the monthly premium

Look underneath --- at the yearly PPO cost. (Which is what she said she selected.)