So I'm pretty sure I was just ripped off by the healthcare exchange and BC/BS...

[Gravitycollapse]

I feel like I should be worried. I signed up for a specific plan over the phone.

This plan to be exact:



Which has this plan summary on the exchange website:




And after I opened the Blue Cross/Blue Shield pdf summary for the plan, I realized that none of the figures stated on the exchange website match. The name of the plan matches but nothing else.

https://www.azblue.com/~/media/AZBlue/Files/SBCs/IU65/EverydayHealthSelect4000.pdf

Annual deductible: $4,000
Maximum out-of-pocket: $6350


Copays-

Primary care - $30
Specialist - $60


Prescription tiers -

1: $15
2: $50
3: $100

It's important to note that NONE of the information provided in the BC/BS brochure matches the information on the exchange website. None of it. The plan I was shown on the website and sold on the phone has essentially nothing to do with the BC/BS plan in the pdf.

Has anyone else run into this?

[lostincalifornia]

1. I believe you can change plans up to march 31, 2014 since it is open enrollment. Cannot comment

on your specific situation though I would think you should be able to get and exact copy of the polcy

Isn't that required

[Gravitycollapse]

2. I'm aware I can change plans. I wasn't aware I would be fed a pile of bullshit...

By being sold a plan that doesn't exist.

I'm currently searching for the paperwork on the BC/BS website.

[Ellipsis]

4. Did you contact them?

[Gravitycollapse]

6. Not yet. I literally just found the inconsistencies 30 minutes ago.

I'm going to be so angry if my suspicion is correct. I've been trying to get health insurance for so goddamn long and I finally breathed a sigh of relief this afternoon thinking my journey was complete.

[Ellipsis]

8. If that's what it says on the screen I think they are contractually obligated.

Mixed up paper work I'd bet --- deep breath, walk it off, try to relax... wait till you find out before you get your freak out on and be nice on the phone. Don't kill the messenger they are on your side, and should be able to make things right for you some how. If you treat them badly they may not go out of their way for you.

[Gravitycollapse]

9. I suspect they are not contractually obligated based on their website.

Because anything stated on the health care exchange is technically a summary and thus not anything that could be considered legally binding.

[lostincalifornia]

16. Not necessarily. A summary of a plans coverage usually has in fine print that it may not represent

the actually policy.

You need to see the actual policy

To me that should not be allowed, but it is

[Control-Z]

3. Did you sign up for an individual plan

or a family plan? You may be looking at the family vs individual. The summary I was given was for individual instead of family and was way off because if it. I panicked until my insurance agent set me straight.

[Gravitycollapse]

5. I'm looking at the individual plan.

[Live and Learn]

11. Did you notice the individual totals seem correct?

Why don't you just call for clarification?

[Live and Learn]

10. Your plan matches what was the ACA site said for an individual,

as far as I can see. It looks like the insurance company thinks you signed up for more than 1 person. Have you called to ask?

[Gravitycollapse]

12. I just found the inconsistencies about 90 minutes ago.

I'll have to call in the morning.

[Live and Learn]

13. Good, Hopefully,they are just giving you your costs if it was a family plan.

If that is the case, all is well. Do let us know.

[NYC_SKP]

14. On the pdf, take a Sharpie pen and black out anything that says "family". I think what's left will

will match what your screen shot says you would pay.

Give that a shot.

The numbers for an individual look about the same to me.

[Hoyt]

15. It definitely looks like Exchange info was wrong, very wrong. $50 deductible?

The plan name indicates it had a $4000 deductible.

If I had seen that Exchange summary, I would have jumped on it too and told everyone I know they should get it. That's a shame.

Will be interested in BCBS's response. I still think the actual plan is pretty good if the premium is accurate.