[quote=all][quote=no_such_reality]Sadly, one plow through coveredca debased me of any fantasy of retiring when I saw what happens to my health premiums heading into my 50s with a family.[/quote]
Do you know why there is big difference in premium between plans in the same tier? I am looking at HMO 90 – Molina is 20% more than HealthNet and Anthem BlueCross is another 15% more expensive than Molina.[/quote]
Double check which provider is accepted where. I’m not saying that’s the reason, but I think certain providers are dropping the top medical facilities..
Fine if you don’t need to go there. Sucks if you do…
Cedars-Sinai and UCLA cut from Los Angeles health plan
About 2,200 city workers and family will lose their doctors as Anthem Blue Cross pares pricey providers.
Anthem Blue Cross Blue Shield Kicks Cleveland Clinic Out of Network (The Biggest Obamacare Side Effect in Ohio)
A couple weeks ago I attended a mandatory, in person training for Anthem Blue Cross Blue Shield at their office in Youngstown, Ohio. The purpose of this training was to teach their independent agents the ins and outs of their new health insurance plans and make sure we understood the scope of all their changes.
Boy there were there some big ones.
It seems like forever, but I have been saying things like “it’s going to get crazy” or “it’s going to be nutty” half joking, half serious. Mostly I was trying to convey the fact you would be buying your health insurance in a completely new way starting today. Those differences, mainly created by Ohio’s Health Insurance Marketplace, where what was going to create the “craziness.”
However, I completely underestimated how far these changes would go, to the point Anthem would, in a sense, throw away one of their biggest competitive advantages.
[NOTE: I was required by Anthem to sit on this information after the meeting, they had not yet gone public with it and requested brokers not say anything]
One of the biggest shockers of this “network shake up,” as I’m calling it, is that Anthem decided to hitch it’s post healthcare reform wagon to University Hospital system in northeast Ohio and exclude The Cleveland Clinic, the largest hospital system in the state, from it’s network.
Let that sink in for a second.
I’ll repeat that one more time. The Cleveland Clinic is no longer in Anthem’s primary network of hospitals under the Affordable Care Act.
I think the irony to this is people actually believed that providers would just allow people with pre-existing conditions to get more healthcare and pay less. Sure, you’ll pay the same premium as everyone else…. But you won’t be able to go use the facilities you count on because those facilities won’t be in the network anymore 🙂
I think a lot of us smelled a rat… SD Realtor was one of them I believe… Looks like we were right….
Things will be even more fun once employers start cutting/paring down their employer provided health plans, especially for folks with pre-existing conditions… Interesting times we live in….
