ISO Medical and Rx coverage in Kentucky

submitted by /u/HauntedKiwis
[link] [comments]Medical, Rx, Dental, Vision are needed for two adults, 35M and 33F. $500 or less per month. Ideally no/low deductible, 80/20 coinsurance, covered preventative care, $20-30 copay for medical visits, and generic Rx for =<$15 each. (Am I searching for a unicorn?) I am currently employed but will be quitting my job to stay home long term and will no longer have insurance through my employer in Kentucky. The only options that seem to be available are four iterations of an HMO through Anthem, listed below. I would prefer a PPO in case I need to use other doctors who aren’t in network, are there any other options for Kentucky? I am assuming they aren’t showing up in an online search because a qualifying event is needed to enroll, but I will of course have a qualifying event if I leave my employer. My spouse is self-employed so does not have insurance. Plan 1: Anthem Bronze Pathway Transition HMO 7300 $7,300 Deductible Bronze Metal Level $691.56/mo The deductible is $7300 per person ($14600 per family). The coinsurance is 40%. The out-of-pocket limit is $8700 per person ($17400 per family). There’s no lifetime maximum. For an emergency room visit, you’ll pay 40% Coinsurance after deductible. Doctor visits will cost you… Primary Doctor: $40 Copay Specialist: $60 Copay after deductible Other practitioner: $40 Copay Hospital services will cost you… Inpatient Hospital Services: 40% Coinsurance after deductible Inpatient Physician and Surgical Services: 40% Coinsurance after deductible Prescription drugs will run you… Generic Drugs: $15 Copay Preferred Brand Drugs: 35% Coinsurance after deductible Non-Preferred Brand Drugs: 45% Coinsurance after deductible Specialty Drugs: 45% Coinsurance after deductible ​ Plan 2: Anthem Bronze Pathway Transition HMO 6800 for HSA $6,800 Deductible Bronze Metal Level $651.44/mo The deductible is $6800 per person ($13600 per family). There’s no coinsurance. The out-of-pocket limit is $7050 per person ($14100 per family). There’s no lifetime maximum. For an emergency room visit, you’ll pay $200 Copay after deductible. Doctor visits will cost you… Primary Doctor: No Charge after deductible Specialist: No Charge after deductible Other practitioner: No Charge after deductible Hospital services will cost you… Inpatient Hospital Services: No Charge after deductible Inpatient Physician and Surgical Services: No Charge after deductible Prescription drugs will run you… Generic Drugs: 0% Coinsurance after deductible Preferred Brand Drugs: 0% Coinsurance after deductible Non-Preferred Brand Drugs: 0% Coinsurance after deductible Specialty Drugs: 0% Coinsurance after deductible Plan 3: Anthem Silver Pathway Transition HMO 4650 for HSA $4,650 Deductible Silver Metal Level $758.96/mo The deductible is $4650 per person ($9300 per family). The coinsurance is 15%. The out-of-pocket limit is $6850 per person ($13700 per family). There’s no lifetime maximum. For an emergency room visit, you’ll pay $300 Copay after deductible, 15% Coinsurance after deductible. Doctor visits will cost you… Primary Doctor: 15% Coinsurance after deductible Specialist: 15% Coinsurance after deductible Other practitioner: 15% Coinsurance after deductible Hospital services will cost you… Inpatient Hospital Services: $500 Copay per Stay after deductible, 50% Coinsurance after deductible Inpatient Physician and Surgical Services: 15% Coinsurance after deductible Prescription drugs will run you… Generic Drugs: $10 Copay after deductible Preferred Brand Drugs: $40 Copay after deductible Non-Preferred Brand Drugs: 40% Coinsurance after deductible Specialty Drugs: 40% Coinsurance after deductible Plan 4: Anthem Silver Pathway Transition HMO 6500 $6,500 Deductible Silver Metal Level $770.24/mo The deductible is $6500 per person ($13000 per family). The coinsurance is 25%. The out-of-pocket limit is $8650 per person ($17300 per family). There’s no lifetime maximum. For an emergency room visit, you’ll pay $500 Copay after deductible, 25% Coinsurance after deductible. Doctor visits will cost you… Primary Doctor: $30 Copay Specialist: $50 Copay after deductible Other practitioner: $30 Copay Hospital services will cost you… Inpatient Hospital Services: $500 Copay per Stay after deductible, 50% Coinsurance after deductible Inpatient Physician and Surgical Services: 25% Coinsurance after deductible Prescription drugs will run you… Generic Drugs: $25 Copay Preferred Brand Drugs: $55 Copay Non-Preferred Brand Drugs: 40% Coinsurance after deductible Specialty Drugs: 40% Coinsurance after deductible Even More Plan Details submitted by /u/HauntedKiwis [link] [comments]Read Morer/HealthInsurance