I see a psychotherapist 6 times a month. This year I got a silver plan on the marketplace because the bronze plan from the insurer I wanted didn’t cover therapy before the deductible. For next year, the insurer will cover mental health before the deductible at both metal levels. The copay is higher on the bronze, but the premium is so much cheaper that overall I would save about $100 a month, assuming my other use of health services is the same as it has been. Is there any chance that the insurer would be more likely to deny these claims if I’m on a lower level plan? I’m not really sure I want to make the change. The silver plan is so much better that it would probably be worth the $100 a month, but my budget is super tight, so I’m reluctant to spend the extra $$ on the silver premium when I’m unlikely to use the extra benefits.
submitted by /u/ForensicClams
[link] [comments]I see a psychotherapist 6 times a month. This year I got a silver plan on the marketplace because the bronze plan from the insurer I wanted didn’t cover therapy before the deductible. For next year, the insurer will cover mental health before the deductible at both metal levels. The copay is higher on the bronze, but the premium is so much cheaper that overall I would save about $100 a month, assuming my other use of health services is the same as it has been. Is there any chance that the insurer would be more likely to deny these claims if I’m on a lower level plan? I’m not really sure I want to make the change. The silver plan is so much better that it would probably be worth the $100 a month, but my budget is super tight, so I’m reluctant to spend the extra $$ on the silver premium when I’m unlikely to use the extra benefits. submitted by /u/ForensicClams [link] [comments]Read Morer/HealthInsurance