Another in our (seemingly unending) series.
Amy has had her grandmothered United Healthcare HSA-compliant plan since 2013. It sports a $3,000 annual deductible, after which all covered expenses are paid for at 100%. And since it's a PPO plan, she has coverage both in and out of network.
Her current rate of $252 a month is going up by 5%, to $267 a month.
I've suggested that she kiss UHC on the mouth.
Why?
Well, she doesn't qualify for a subsidy, so the least expensive comparable Exchange plan (offered by Anthem, believe it or not) is just shy of $300 a month, but it does have a $6,550 deductible/out-of-pocket. Plus, it's an HMO plan, which means that there is essentially zero out-of-network coverage.
Now, she does have some options: for example, she can increase her deductible to $4,000 and save just shy of $400 a year, which might make some sense. We shall see.
Amy has had her grandmothered United Healthcare HSA-compliant plan since 2013. It sports a $3,000 annual deductible, after which all covered expenses are paid for at 100%. And since it's a PPO plan, she has coverage both in and out of network.
Her current rate of $252 a month is going up by 5%, to $267 a month.
I've suggested that she kiss UHC on the mouth.
Why?
Well, she doesn't qualify for a subsidy, so the least expensive comparable Exchange plan (offered by Anthem, believe it or not) is just shy of $300 a month, but it does have a $6,550 deductible/out-of-pocket. Plus, it's an HMO plan, which means that there is essentially zero out-of-network coverage.
Now, she does have some options: for example, she can increase her deductible to $4,000 and save just shy of $400 a year, which might make some sense. We shall see.
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