case: (Default)
Case ([personal profile] case) wrote in [community profile] fandomsecrets2015-12-06 03:28 pm

[ SECRET POST #3259 ]


⌈ Secret Post #3259 ⌋

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

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Notes:

Secrets Left to Post: 04 pages, 085 secrets from Secret Submission Post #466.
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.

Health Care PLAN!

(Anonymous) 2015-12-07 12:22 am (UTC)(link)
I am 26 and deciding on a new plan. Last year I went to the doctor twice and those were both for the gynecologist.

My choices are between the lowest Silver Plan at $126 (3 free PCP visits) or a Bronze Plan at $58. I can afford the $126 but considering how little I go to the doctor, I feel like it would be a waste of money.

I've never had any major health issues except for kidney stones like 6 years ago. I am overweight but I have lost 70 lbs in the past year so I am taking care of that problem slowly.

But when I choose the Bronze plans it tells me that a Silver Plan would give me discounts...

Re: Health Care PLAN!

(Anonymous) 2015-12-07 12:23 am (UTC)(link)
*50 lbs and Bronze Plan is $64

Re: Health Care PLAN!

(Anonymous) 2015-12-07 03:56 am (UTC)(link)
I would go with the silver because you never know when you'll have an emergency situation, also I believe if you choose silver and review the discounts you will have a chance to go back and change before making it final. I believe, it's been a while since I did it.

Re: Health Care PLAN!

(Anonymous) 2015-12-07 05:26 am (UTC)(link)
I suggest also considering things like the deductible, out-of-pocket maximum, drug prices, and how disciplined you'd be about saving the money you save on premiums toward medical costs not covered by the bronze plan. Also, do you have a handle on how much a typical doctor's visit costs you? Can you find out the cost of those two trips to the gynecologist cost before insurance? Figure out how much you'd spend in a year on insurance and healthcare under both typical use and "disaster" under both plans, compare, and figure out what risk you're willing to take. I don't know what "discounts" they mean and whether they would be useful to you. If I were 26 again, I'd probably go with the cheaper plan and force myself to open a new savings account and put the extra ~$60 a month in there.

Lisa needs braces!

(Anonymous) 2015-12-07 07:44 am (UTC)(link)