I don’t currently have cancer. I do have a personal history of Ewings Sarcoma, my dad died of Glioblastoma, my grandparents died of rare forms of Non-Hodgkin’s Lymphoma. In short, rare and aggressive forms of cancers that should be treated at major cancer centers. I live a very healthy lifestyle, but it’s in my genetics and I want coverage access to top quality care, clinical trials, etc…
I’m not eligible for any employer sponsored plans. Medicare won’t be an option for a couple decades. Most years, I could probably qualify for subsidy, but I’m willing to pay more to get a usable health plan.
Every time I look, I keep getting pushed to the individual state marketplace plans. However, these cancer centers and other top hospitals say on their websites that they don’t accept any individual state marketplace plans.
I was planning on early retiring to Nevada, but the plans on their state marketplace are worse than even other states. Every plan is an HMO with a narrow-network and no national provider network. Aka care is restricted to the two non-ranked regional community hospitals in northern Nevada near Reno and southern Nevada near Las Vegas. It’s low quality rural care.
I’ve looked at other states and it’s unclear. For example, I heard if you have a BlueCross BlueShield PPO plan that’s sold in other states, that gives you access to BCBS BlueCard Network when out of state. This BlueCard network might be accepted by cancer centers since the BlueCard network is used by many BCBS plans, not just individual marketplace plans. MD Anderson won’t accept any of the Texas BCBS marketplace plans, but they might accept an out of state BCBS PPO plan since it would go through the BlueCard network instead. I’ve been unable to talk to anyone at MD Anderson to confirm this and BCBS representatives won’t give me more information since I’m not a current member.
submitted by /u/Limp-Rub5639
[link] [comments]
I don’t currently have cancer. I do have a personal history of Ewings Sarcoma, my dad died of Glioblastoma, my grandparents died of rare forms of Non-Hodgkin’s Lymphoma. In short, rare and aggressive forms of cancers that should be treated at major cancer centers. I live a very healthy lifestyle, but it’s in my genetics and I want coverage access to top quality care, clinical trials, etc… I’m not eligible for any employer sponsored plans. Medicare won’t be an option for a couple decades. Most years, I could probably qualify for subsidy, but I’m willing to pay more to get a usable health plan. Every time I look, I keep getting pushed to the individual state marketplace plans. However, these cancer centers and other top hospitals say on their websites that they don’t accept any individual state marketplace plans. I was planning on early retiring to Nevada, but the plans on their state marketplace are worse than even other states. Every plan is an HMO with a narrow-network and no national provider network. Aka care is restricted to the two non-ranked regional community hospitals in northern Nevada near Reno and southern Nevada near Las Vegas. It’s low quality rural care. I’ve looked at other states and it’s unclear. For example, I heard if you have a BlueCross BlueShield PPO plan that’s sold in other states, that gives you access to BCBS BlueCard Network when out of state. This BlueCard network might be accepted by cancer centers since the BlueCard network is used by many BCBS plans, not just individual marketplace plans. MD Anderson won’t accept any of the Texas BCBS marketplace plans, but they might accept an out of state BCBS PPO plan since it would go through the BlueCard network instead. I’ve been unable to talk to anyone at MD Anderson to confirm this and BCBS representatives won’t give me more information since I’m not a current member.
submitted by /u/Limp-Rub5639 [link] [comments]Read Morer/HealthInsurance