[quote=La Jolla Renter][quote=bearishgurl][quote=no_such_reality] What’s your out of pocket max?[/quote]This is the $64M question, here.[/quote]
My Plan is a Grandfathered old PPO Share Plan. The out of pocket max is $8,850 for both in and out of network. 40 copay office visit, 10 generic prescription, 35 brand name with a 575 deductible.
I called today to see if I could raise the deductible. I can raise it from 2,950 to 8,850 and go from 840 a month to 518 a month. Max out of pocket 8,850.
I asked if this qualified as a HSA plan and the guy said it should, to check with a bank. ???
fyi, I am 50. perfect health. (knock on wood)[/quote]Well, I don’t know if any of those two exchange Silver PPOs are HSA compatible. I’m thinking no. For a 50-year old, they are currently $478 mo for BSoC and $505 mo for Anthem Blue Cross, exclusive of any subsidy you might qualify for. If you turn 51 before you sign up (after 10/15/16), then your plan will be priced accordingly. Here’s the Blue Shield of CA Silver PPO matrix for 2016:
It has a $6250 OOP max and a $250 pharmacy deductible with generics $15 each with 0 deductible.
The $64M questions now are: “What is the comparison between the networks of providers you currently have versus the exchange plans networks of providers?” and, “Is my current (grandfathered) plan HSA compatible?”
Of course, we don’t know what Cigna would charge you for their Bronze HSA-compatible plan in SD County but you could find out by contacting them. I feel they would have a comparable or better network of providers than you currently have. AFAIK, they don’t yet offer an off-exchange Silver plan here but may offer one by the time you’re shopping (the last quarter of this year for 2017).
It IS possible, as you said, that your carrier is just trying to dump you without leaving the individual market here. They are doing this by making your plan unpalatable for what they are charging so you will consider leaving it. This is whilst KNOWING you have little choice but the state exchange and 2-3 bronze plans on the open market in your region to choose from :=0
When you reached the magic age of 50, they decided they didn’t want to take a chance on you anymore. It doesn’t matter how great of condition you are in. Their experience with the 50-and-up crowd tells them otherwise.
Unfortunately, our millions of “brethren” (mostly boomers) has ruined it for the rest of us who take care of ourselves and have been “lucky” thus far (knock on wood).
