I am thinking of purchasing my own health insurance policy sold by a small company and using that to waive the one provided by the university (an aetna plan). The company says the can guarantee a successful waiver or they will do a full refund to me.
My desired plan is better on paper when it comes to the numbers (deductibles, co-pays and co-insurances), with a decent network (United Healthcare Option PPO Network), but I am not very sure what the risks are. Should I worry about pre-approval being stricter and therefore limiting the kind of treatment I have? What are other potential risks?
Also, the company refuse to provide a SBC in this format, stating that they are not ACA-compliant so they are not required to do that. Is that right? What are the comsequences of chooing a non ACA-compliant plan?
I come here to get some thoughts and ideas, thank you re, stating that they are not ACA-compliant so they are not required to do that. Is that right? What are the comsequences of choosing a non ACA-compliant plan?
update: the waiver requriement from my university, it looks pretty comprehensive.
submitted by /u/Tony1ee
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I am thinking of purchasing my own health insurance policy sold by a small company and using that to waive the one provided by the university (an aetna plan). The company says the can guarantee a successful waiver or they will do a full refund to me. My desired plan is better on paper when it comes to the numbers (deductibles, co-pays and co-insurances), with a decent network (United Healthcare Option PPO Network), but I am not very sure what the risks are. Should I worry about pre-approval being stricter and therefore limiting the kind of treatment I have? What are other potential risks? Also, the company refuse to provide a SBC in this format, stating that they are not ACA-compliant so they are not required to do that. Is that right? What are the comsequences of chooing a non ACA-compliant plan? I come here to get some thoughts and ideas, thank you re, stating that they are not ACA-compliant so they are not required to do that. Is that right? What are the comsequences of choosing a non ACA-compliant plan? update: the waiver requriement from my university, it looks pretty comprehensive.
submitted by /u/Tony1ee [link] [comments]Read Morer/HealthInsurance