Hi all! So it is that time to choose private insurance through the marketplace. I have never done this before as I have never been in a position financially to do so, and have had it through post-graduate degrees until now. Some background, I want it for both my husband and I. He is healthy, doesn’t go to the doctor (though I would like him to!, etc) I am the opposite! I have PCOS, low iron, bile acid problems and a few other annoying but not life threatening issues, and have been told I will need fertility treatments to conceive. For this reason we are looking at BCBS because it supposedly covers fertility more than others. Does anyone have experience with BCBS? The plan I am looking at is the Blue Advantage Gold HMO 206, and has a 750$ deductible per family members, and a 40% coinsurance after deductible. This coinsurance seems a little high to me, but the deductible seems great, especially if we are using the plan for very expensive fertility bloodwork, diagnostics and medication (I know they do not cover IVF). The premium is high, but if we feel comfortable affording it, should we go for it? I am on a lot of medications, and see about 4 different doctors for everything. One of the medications I am on is ozempic, which apparently BCBSTX covers, so I would be getting a lot of use out of this insurance. Thanks all!
submitted by /u/pineapple_princesses
[link] [comments]
Hi all! So it is that time to choose private insurance through the marketplace. I have never done this before as I have never been in a position financially to do so, and have had it through post-graduate degrees until now. Some background, I want it for both my husband and I. He is healthy, doesn’t go to the doctor (though I would like him to!, etc) I am the opposite! I have PCOS, low iron, bile acid problems and a few other annoying but not life threatening issues, and have been told I will need fertility treatments to conceive. For this reason we are looking at BCBS because it supposedly covers fertility more than others. Does anyone have experience with BCBS? The plan I am looking at is the Blue Advantage Gold HMO 206, and has a 750$ deductible per family members, and a 40% coinsurance after deductible. This coinsurance seems a little high to me, but the deductible seems great, especially if we are using the plan for very expensive fertility bloodwork, diagnostics and medication (I know they do not cover IVF). The premium is high, but if we feel comfortable affording it, should we go for it? I am on a lot of medications, and see about 4 different doctors for everything. One of the medications I am on is ozempic, which apparently BCBSTX covers, so I would be getting a lot of use out of this insurance. Thanks all!
submitted by /u/pineapple_princesses [link] [comments]Read Morer/HealthInsurance