About me: self-employed, in my 30s, no pre-existing health conditions.
For years I’ve gone back and forth with ACA coverage and just being uninsured. I work in the construction industry, so if I can avoid being uninsured, I absolutely want to. A year ago I dropped my ACA coverage due to cost and just being fed up with the shitty service from my provider – overbooked/overworked doctors, surprise billing, the standard gripes about the healthcare industry.
At the time, Sedera seemed like a good answer for me — while not insurance, it would provide me with coverage in the event of a catastrophic event. I’m a member of a local Direct Primary Care practice, so I pay out-of-pocket monthly for that membership to have access to a primary care doctor for standard, everyday stuff. I like this doctor and would probably continue being a member at this private practice regardless.
Fast forward. Poking around on the Marketplace and I’m eligible for plans that are a significant cost savings from the last time I had ACA coverage. I’m considering dropping Sedera coverage to switch, because I’m concerned that if I was in a catastrophic event, I might end up getting fucked over by Sedera as it’s “technically” not insurance.
Any Sedera members who have actually had to submit a claim? How did it go?
submitted by /u/kms09
[link] [comments]
About me: self-employed, in my 30s, no pre-existing health conditions. For years I’ve gone back and forth with ACA coverage and just being uninsured. I work in the construction industry, so if I can avoid being uninsured, I absolutely want to. A year ago I dropped my ACA coverage due to cost and just being fed up with the shitty service from my provider – overbooked/overworked doctors, surprise billing, the standard gripes about the healthcare industry. At the time, Sedera seemed like a good answer for me — while not insurance, it would provide me with coverage in the event of a catastrophic event. I’m a member of a local Direct Primary Care practice, so I pay out-of-pocket monthly for that membership to have access to a primary care doctor for standard, everyday stuff. I like this doctor and would probably continue being a member at this private practice regardless. Fast forward. Poking around on the Marketplace and I’m eligible for plans that are a significant cost savings from the last time I had ACA coverage. I’m considering dropping Sedera coverage to switch, because I’m concerned that if I was in a catastrophic event, I might end up getting fucked over by Sedera as it’s “technically” not insurance. Any Sedera members who have actually had to submit a claim? How did it go?
submitted by /u/kms09 [link] [comments]Read Morer/HealthInsurance