I live in NYC and work for myself and pay privately. Through NY state health market place. I have blue cross and blue shield silver to cover for my wife and me.
This is blue cross and blue shield.
The premiums are $1762.48 per month.
deductibles are 1300 per individual or 2600 group.
Max out of pocket is 8500 per individual or
17000 for group.
coinsurance is 30% with others being co-pay.
I’m thinking of dropping down to bronze which is
1302.26 per month for premium.
Deductibles are 6100 per individual / 12200 per group.
Max of pocket is 6900 per individual / $13800 per group.
coinsurance is 50% .
Health insurance is expensive but my income is too high qualify for any reduction. Out all my expenses paying for insurance is the highest.
I do go to the doctor . I suffer from scoliosis and tmd but you be surprise how many specialist do not participate in any insurance. This is also true for therapy. The PCP sucks. I had to change 2 times cause the PCP would never pick up if I call them.
Would like any advise. Should I just go for cheap insurance and pay cash to see doctors outside of network?
submitted by /u/youngj2827
[link] [comments]I live in NYC and work for myself and pay privately. Through NY state health market place. I have blue cross and blue shield silver to cover for my wife and me. This is blue cross and blue shield. The premiums are $1762.48 per month. deductibles are 1300 per individual or 2600 group. Max out of pocket is 8500 per individual or 17000 for group. coinsurance is 30% with others being co-pay. I’m thinking of dropping down to bronze which is 1302.26 per month for premium. Deductibles are 6100 per individual / 12200 per group. Max of pocket is 6900 per individual / $13800 per group. coinsurance is 50% . Health insurance is expensive but my income is too high qualify for any reduction. Out all my expenses paying for insurance is the highest. I do go to the doctor . I suffer from scoliosis and tmd but you be surprise how many specialist do not participate in any insurance. This is also true for therapy. The PCP sucks. I had to change 2 times cause the PCP would never pick up if I call them. Would like any advise. Should I just go for cheap insurance and pay cash to see doctors outside of network? submitted by /u/youngj2827 [link] [comments]Read Morer/HealthInsurance