[ SECRET POST #3224 ]

[case]

⌈ Secret Post #3224 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.

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Notes:

Sorry about early, have stuff to do!

Secrets Left to Post: 02 pages, 042 secrets from Secret Submission Post #461.
Secrets Not Posted: [ 0 - broken links ], [ 0 - not!secrets ], [ 0 - not!fandom ], [ 0 - too big ], [ 0 - repeat ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.

Comments

Healthcare!

[(Anonymous)]

Enrolling for healthcare thru Obamacare is upon us. You can now do your applications for 2016.

I have a question for people on here.

I am a fairly healthy 27 year old. I went to the doctors twice last year. One of those was a gyno check-up. I have two plans picked out.

Plan A) Deductible is $6000. Preventative care is free. Generic meds are free. The plan will cost $50.

Plan B) Deductible is $3000. Preventive care is free and generic meds are free. I get 3 free doctor visits a year to a whoever my primary care physician would be (I don't have one right now). It costs $150.

Which would you suggest I get?

anyone else have any questions about healthcare, post them!

Re: Healthcare!

[(Anonymous)]

Probably the first one.

Re: Healthcare!

[philstar22]

I'd go with the lower deductable.

I have a question: If I'm keeping the same plan, do I need to reenrole, or do I just keep paying the premium I have now? I only signed up 2 months ago, and this is my first time with non-parent or school health insurance. So I'm not really sure how it works.

Re: Healthcare!

[(Anonymous)]

If you income has not changed, just keep the same plan I think.

Re: Healthcare!

[(Anonymous)]

I can only speak from the perspective of someone in the (often considered pretty good) German medical system, and over here the minimum amount an adult (except for those without income and receiving social service money) has to pay is around 150-180 euros. it's a lot of money but worth it. Take from that what you want, I guess...

Re: Healthcare!

[(Anonymous)]

Do you know how much a non-preventative doctor's office visit would cost you with the first one? Is there a co-pay or do you pay out-of-pocket for the whole thing?

Could you afford to pay the larger deductible if something happened?

Are you on any medications right now or is it likely you will go on any based on your needs or conversations with a doctor (birth control, high blood pressure, whatever) and have you checked how much they cost under these plans?

Re: Healthcare!

[(Anonymous)]

Okay, here are the answers. Also, Plan B is $129 and Plan A is $58.

Non-Preventative care cost
Plan A 30% Coinsurance after deductible In-Network, 50% Coinsurance after deductible Out-of-Network
Plan B (first 3 free) 20% Coinsurance after deductible In-Network, 30% Coinsurance after deductible Out-of-Network

I think I could pay it if there was an emergency. It would be hard and I'd have to do payments but I could do it.

I am on one medication which is a cream for my face. It has a generic alternative. Both plans I am looking at have, "No Charge In-Network, $5 Out-of-Network" for generic drugs.

I'd like to get on birth control. I am trying to figure out what they cover or not.

Re: Healthcare!

[shortysc22]

Pretty sure birth control is one of those meds that are covered, but I'd check with your doctor.

I'd personally go with the lower deductible because you never know what could happen in a year and if you can't afford the higher deductible, that's going to hit you hard.

Re: Healthcare!

[(Anonymous)]

If nothing bad happens, or even if the next year will be the same as last year in terms of what you need, plan A will be the cheapest. If you have to spend all the way up to your deductible, plan B will be cheaper. It's a bit of a gamble either way. If you are good at disciplining yourself to save, you could opt for the cheaper one and save the extra $71 towards healthcare costs that aren't covered.

Re: Healthcare!

[(Anonymous)]

With the costs of US healthcare (I'm not a resident, but from what I've heard, the costs can be extreme), I'd go with Plan B for the lower deductible. $6000 is a lot of money. Hell, $3000 is a lot, but I'd much rather pay $100 extra for the plan to save $3000.