First Health Insurance Products?

[Jim Wright]

OK.. i was thinking of individual plans. The plans hyped as no deductible are normally along the line of Manhattan's Affordable Choice plan.

There are plenty of $0 deductible marketplace plans. Most people don't understand that a $0 ded. still has a MOOP. Usually, the $0 ded is a way to trigger copays on ER/Hospital stays instead of coinsurance.

 

[somarco]

OK.. i was thinking of individual plans. The plans hyped as no deductible are normally along the line of Manhattan's Affordable Choice plan.

A long time ago Guardian offered a $500 deductible major med then 100% plan and $2M or $3M lifetime cap. They may have also offered a $250 and $100 deductible plan.

They were surprisingly affordable for such rich benefits.

 

[rousemark]

A long time ago Guardian offered a $500 deductible major med then 100% plan and $2M or $3M lifetime cap. They may have also offered a $250 and $100 deductible plan.

They were surprisingly affordable for such rich benefits.

But did not all those plans go away .. other than short term ... go away with the passage of Obama Care?

 

[Chazm]

But did not all those plans go away .. other than short term ... go away with the passage of Obama Care?

I still have my pre- ACA Fl Blue PPO with a $250 Ded and $2500 moop

 

[rousemark]

I still have my pre- ACA Fl Blue PPO with a $250 Ded and $2500 moop

But is the plan still being sold?

 

[somarco]

But did not all those plans go away .. other than short term ... go away with the passage of Obama Care?

The Guardian eventually left the individual major med market somewhere around 2000 . . .

 

[Chazm]

But is the plan still being sold?

Nope.

 

[Jim Wright]

There are some CSR plans available in NC with a MOOP as low as $550. Depending on the persons situation, they can get pretty low.