just a guy
New Member
- 4
I was on a grandfathered pre-marketplace plan. Current premium was up to a little over $500, I had dental added to it too (yearly cost of it equaled right at a yearly dental exam anyway). $1500 deductible and out of pocket, hit that, 100% covered, office visits, emergency, meds, etc. I thought it was very good coverage. They are ending that, now offering "Armor". I got a call, my new premium would be $2400/month, just by myself, $2500 deductible. Letter is coming with more options, but different deductibles don't make much difference.
Marketplace offers one carrier as far as I can see, Medica. Plans are higher, which I expect, deductibles are much higher. Co pays, and what not. I've never been with anything but BCBS. I don't really like moving to a plan that doesn't look as good as what I have on initial inspection. I also don't like not really having a choice to compare the company to, but looks like about my only practical option. Does anyone know of any other options for "decent" coverage before I make a commitment? Some around here are talking about some sort of cost sharing type Christian group plan thing, I don't know the details (and I wouldn't really qualify...). They said there was a letter sent out in June to warn of this, I never got it (checked USPS informed delivery, not there).
Thanks.
tl;dr, brief health and situation info below here (Armor says premium based on history)
I'm 42, single, no kids. Was rarely going to doctor, no major issues when I went (blood pressure ok, blood tests ok, etc.). Around 190 lbs and 5'11". I had a little surgery on my hands and an arm last year to try fixing issues (pain, hands falling asleep at night, usage issues, fell on one hand a couple years before, had it checked right away, wasn't broken but still bothers). This year, trying to get to the bottom of continuing pain, the doctors had me go in for 3 different MRIs, which found arthritis, and on one hand, cysts in between the wrist small bones (nothing to do). I'm not on medication, won't take pain medication if offered (I've refused it, had a bottle after my surgery, didn't take it, it's more than a little pain continuing, but would rather deal with that than medication). Never smoked, drank, or chewed at all.
I raise cattle, gross income too high for health subsidy, cattle are often sold at a loss, so net is in the red (as with much of agriculture in some years). Not to mention, there is no possible way to know yearly income beforehand, cattle are sold at auction whenever I can, once or twice a year, and as ridiculous as the whole system is, prices can go up or down with anything. Town is 30 miles away, jobs there are cashiers, no corporate, 2 stoplights total there, don't really know of much of anything with major benefits, no possible way for another job anyway, without selling everything I have, not enough hours in the day to do what I need as it is, takes more than all daylight hours and beyond to keep up now (which is typical). Plus, I don't see doing anything else anyway.
Marketplace offers one carrier as far as I can see, Medica. Plans are higher, which I expect, deductibles are much higher. Co pays, and what not. I've never been with anything but BCBS. I don't really like moving to a plan that doesn't look as good as what I have on initial inspection. I also don't like not really having a choice to compare the company to, but looks like about my only practical option. Does anyone know of any other options for "decent" coverage before I make a commitment? Some around here are talking about some sort of cost sharing type Christian group plan thing, I don't know the details (and I wouldn't really qualify...). They said there was a letter sent out in June to warn of this, I never got it (checked USPS informed delivery, not there).
Thanks.
tl;dr, brief health and situation info below here (Armor says premium based on history)
I'm 42, single, no kids. Was rarely going to doctor, no major issues when I went (blood pressure ok, blood tests ok, etc.). Around 190 lbs and 5'11". I had a little surgery on my hands and an arm last year to try fixing issues (pain, hands falling asleep at night, usage issues, fell on one hand a couple years before, had it checked right away, wasn't broken but still bothers). This year, trying to get to the bottom of continuing pain, the doctors had me go in for 3 different MRIs, which found arthritis, and on one hand, cysts in between the wrist small bones (nothing to do). I'm not on medication, won't take pain medication if offered (I've refused it, had a bottle after my surgery, didn't take it, it's more than a little pain continuing, but would rather deal with that than medication). Never smoked, drank, or chewed at all.
I raise cattle, gross income too high for health subsidy, cattle are often sold at a loss, so net is in the red (as with much of agriculture in some years). Not to mention, there is no possible way to know yearly income beforehand, cattle are sold at auction whenever I can, once or twice a year, and as ridiculous as the whole system is, prices can go up or down with anything. Town is 30 miles away, jobs there are cashiers, no corporate, 2 stoplights total there, don't really know of much of anything with major benefits, no possible way for another job anyway, without selling everything I have, not enough hours in the day to do what I need as it is, takes more than all daylight hours and beyond to keep up now (which is typical). Plus, I don't see doing anything else anyway.
