Hey folks. Self employed in (sigh) Texas. Trying to change/upgrade my Blue Cross plan (Blue Advantage HMO, not even a metal/medal level) cause it seems like nothing is covered ever. This is just for me, no fam, no kids etc. Looking at other BCBS plans or United Health Care, open to others if anyone has ideas). I’m finding all the info very confusing.
Where do I start? On each of those companies’ sites, when I list all the docs I see, they come up as not covered on EVERY PLAN. But if you search another way on the BCBS website, it says they are indeed covered on the Bronze, Silver, Gold Advantage plans. Navigating the UHC site is so tough I can’t even find another way to search. Is this info just totally unreliable; i.e. would I be better off literally calling all my docs and seeing what plans they take? If these sites can’t be trusted to accurately tell me what docs are covered under various plans, can I assume the same about meds?
Also don’t understand why some Silvers are more expensive than Golds in the same “family” (Advantage for instance on the UHC website).
Lastly, co-insurance. Is this the amount YOU pay after you’ve met your deductible but before you reach the out of pocket max, or is that the amount THE INSURANCE COMPANY pays? Other websites seem to suggest it’s the amount YOU pay, but that makes no sense if co-insurance is listed as “0” on some plans, or the numbers seem to be more favorable on cheaper plans, cause that’s too good to be true and not the world we live in. On the BCBS site the description literally says it could be either. Super unhelpful.
Yours Truly, Lost in Lone Star
submitted by /u/AintKnowShitAboutFuk
[link] [comments]Hey folks. Self employed in (sigh) Texas. Trying to change/upgrade my Blue Cross plan (Blue Advantage HMO, not even a metal/medal level) cause it seems like nothing is covered ever. This is just for me, no fam, no kids etc. Looking at other BCBS plans or United Health Care, open to others if anyone has ideas). I’m finding all the info very confusing. Where do I start? On each of those companies’ sites, when I list all the docs I see, they come up as not covered on EVERY PLAN. But if you search another way on the BCBS website, it says they are indeed covered on the Bronze, Silver, Gold Advantage plans. Navigating the UHC site is so tough I can’t even find another way to search. Is this info just totally unreliable; i.e. would I be better off literally calling all my docs and seeing what plans they take? If these sites can’t be trusted to accurately tell me what docs are covered under various plans, can I assume the same about meds? Also don’t understand why some Silvers are more expensive than Golds in the same “family” (Advantage for instance on the UHC website). Lastly, co-insurance. Is this the amount YOU pay after you’ve met your deductible but before you reach the out of pocket max, or is that the amount THE INSURANCE COMPANY pays? Other websites seem to suggest it’s the amount YOU pay, but that makes no sense if co-insurance is listed as “0” on some plans, or the numbers seem to be more favorable on cheaper plans, cause that’s too good to be true and not the world we live in. On the BCBS site the description literally says it could be either. Super unhelpful. Yours Truly, Lost in Lone Star submitted by /u/AintKnowShitAboutFuk [link] [comments]Read Morer/HealthInsurance