27 and living in San Francisco. I’ve been on employment for a little over 4 months now, and I haven’t had health insurance for the last 2 years. I actually never looked into Covered California and now I am considering it because I heard there are some affordable plans that I can enroll. This is due to me getting laid off at an inopportune time in August and only getting paid $400 per week on unemployment.
I compared some of the plans on the website and I found that the lowest plan I qualify for is the Bronze 60 HMO for $111.34 per month. I’m still not 100% convinced that this is worth it, especially without a job. Also, the details of the plan are super confusing to me. Can someone tell me if this is a normal premium? I’ve heard that Covered California was more affordable, but compared to coverage I had gotten while employed, this really doesn’t seem as affordable as people have made it out to be.
Also, here are some additional details of the healthcare plan in question:
Yearly Deductible
$6300 (Individual)
Separate Drug Deductible
$500 (Individual)
Out-of-Pocket Max
$8200 (Individual)
Maximum Cost per Prescription
$500
Primary Care Visit
First 3 visits at $65 Copay before deductible
Specialist Visit
$95 Copay after deductible
submitted by /u/jaywonger93
[link] [comments]
27 and living in San Francisco. I’ve been on employment for a little over 4 months now, and I haven’t had health insurance for the last 2 years. I actually never looked into Covered California and now I am considering it because I heard there are some affordable plans that I can enroll. This is due to me getting laid off at an inopportune time in August and only getting paid $400 per week on unemployment. I compared some of the plans on the website and I found that the lowest plan I qualify for is the Bronze 60 HMO for $111.34 per month. I’m still not 100% convinced that this is worth it, especially without a job. Also, the details of the plan are super confusing to me. Can someone tell me if this is a normal premium? I’ve heard that Covered California was more affordable, but compared to coverage I had gotten while employed, this really doesn’t seem as affordable as people have made it out to be. Also, here are some additional details of the healthcare plan in question: Yearly Deductible $6300 (Individual) Separate Drug Deductible $500 (Individual) Out-of-Pocket Max $8200 (Individual) Maximum Cost per Prescription $500 Primary Care Visit First 3 visits at $65 Copay before deductible Specialist Visit $95 Copay after deductible
submitted by /u/jaywonger93 [link] [comments]Read Morer/HealthInsurance