I’m sure these questions have been answered ad nauseam but I’m not finding specific answers by searching, and of course this is really hard to search for as it’s so noisy.
To put it in simple terms, I’ve spent my entire career, since the mid-90’s, with insurance through my employer and I’ve been lucky enough not to be forced to really study the topic. Get a job, pick the plan the looks good, use the plan. As my wife and I get older and I can afford it more I tend to level up to the “better” plans available and have been lucky to work at companies with good plans.
I realize “good plans” is not descriptive at all, but I’m talking about lower deductible, lower out of pocket max, from insurers like United Healthcare for example.
I’m about to take a position that does not have health insurance, but does give a monthly stipend which seems generous enough and I’m already currently paying a chunk of change out of my paychecks so, at the end of the day, I feel like I have a decent amount to work with.
My problem is when shopping around on the marketplace and after filling out some quick forms on uhc, etc., it seems like the sort of plan I’m used to is not available.
For instance, on the marketplace, I couldn’t seem to find anything remotely comparable. None of our doctors were covered, prescriptions weren’t covered, out of pocket max was always like $17,500, etc.
My questions are:
Am I just going about this wrong, or is it the case that sourcing insurance on your own just doesn’t provide the same level of coverage even if you’re expecting to pay more? This is probably a dumb question but, is this why one would go with a broker – is that generally a good direction to go in? Is it ridiculous to just go straight to a provider and sign up as an individual?
Thanks in advance for any insight, it’s greatly appreciated!
submitted by /u/zerochu
[link] [comments]I’m sure these questions have been answered ad nauseam but I’m not finding specific answers by searching, and of course this is really hard to search for as it’s so noisy. To put it in simple terms, I’ve spent my entire career, since the mid-90’s, with insurance through my employer and I’ve been lucky enough not to be forced to really study the topic. Get a job, pick the plan the looks good, use the plan. As my wife and I get older and I can afford it more I tend to level up to the “better” plans available and have been lucky to work at companies with good plans. I realize “good plans” is not descriptive at all, but I’m talking about lower deductible, lower out of pocket max, from insurers like United Healthcare for example. I’m about to take a position that does not have health insurance, but does give a monthly stipend which seems generous enough and I’m already currently paying a chunk of change out of my paychecks so, at the end of the day, I feel like I have a decent amount to work with. My problem is when shopping around on the marketplace and after filling out some quick forms on uhc, etc., it seems like the sort of plan I’m used to is not available. For instance, on the marketplace, I couldn’t seem to find anything remotely comparable. None of our doctors were covered, prescriptions weren’t covered, out of pocket max was always like $17,500, etc. My questions are: Am I just going about this wrong, or is it the case that sourcing insurance on your own just doesn’t provide the same level of coverage even if you’re expecting to pay more? This is probably a dumb question but, is this why one would go with a broker – is that generally a good direction to go in? Is it ridiculous to just go straight to a provider and sign up as an individual? Thanks in advance for any insight, it’s greatly appreciated! submitted by /u/zerochu [link] [comments]Read Morer/HealthInsurance