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#1
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Horizon Basic and Essential EPO Plan
Well, after years of not having any health care insurance, I finally did it.
I can't say I'm happy about it as it really is nothing short of a rip off... but me *****ing is NOT why I'm posting. I just would like to hear what folks think. I'm 34 (almost 35), work out 4-5 days a week and VERY VERY active. Don't smoke, and drink only occasionally. No drugs, etc. (Male) I got this: Horizon Basic and Essential EPO Plan Here are the details about it. Plan Name Horizon Basic and Essential EPO Plan Apply Plan Type EPO Estimated Monthly Cost $164.46 Primary Care Physician Required No Specialist Referrals Required No HSA Eligible No Out-of-Network Coverage No In-Network Coverage Deductible None Coinsurance None Out-of-Pocket Limit None Office Visit Primary Doctor Illness and Injury office visits covered to $700 per covered person per calendar year Specialist Illness and Injury office visits covered to $700 per covered person per calendar year Periodic Health Exam $50 deductible, 20% coinsurance up to $600 wellness benefit per person per calendar year. Periodic OB-GYN Exam $50 deductible, 20% coinsurance up to $600 wellness benefit per person per calendar year. Well Baby Care $50 deductible, 20% coinsurance up to $600 wellness benefit per person per calendar year. Chiropractic Not Covered Mental Health Biologially based mental illness only - 30% Coinsurance, 30 visits per year Prescription Drugs Generic Not Covered Brand Not Covered Non-Formulary Not Covered Rx Deductible None Mail Order Not Available Lab/X-Ray $500 maximum per covered person per calendar year. Emergency Room $100 Copay (waived if admitted) Outpatient Surgery $250 Copay Hospitalization $500 Copayment per period of confinement (90 days per covered person per calendar year) Maternity Pre & Postnatal Office Visit Pre- and post-natal charges are covered when included in the delivery charge Labor & Delivery Hospital Stay $500 Copayment per period of confinement (90 days per covered person per calendar year) Lifetime Maximum Unlimited Additional Information Will insurance company obtain and pay for medical records? N/A eSign (electronic signature) Yes A.M. Best Rating A-pd as of 10/08/2004 Edit/Delete Message |
#2
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That's a lot of money per month but you're self-employed, right? If so it might be the best you can do.
Of course, as soon as you cancel it you'll get appendicitis or something.
__________________
Ralph 1985 300D Turbo, CA model 248,650 miles and counting... |
#3
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Kaiser
I work for a small company (25 or less) and I believe our family coverage of Kaiser Permanente runs about $1200 a month. I'm not sure what it is for an individual. So, $165 a month sounds pretty inexpensive. Kaiser is an HMO. I've never heard the term EPO before. Kaiser is okay, but not the best I;ve seen.
__________________
" We have nothing to fear but the main stream media itself . . . ."- Adapted from Franklin D Roosevelt for the 21st century OBK #55 1998 Lincoln Continental - Sold Max 1984 300TD 285,000 miles - Sold The Dee8gonator 1987 560SEC 196,000 miles - Sold Orgasmatron - 2006 CLS500 90,000 miles 2002 C320 Wagon 122,000 miles 2016 AMG GTS 12,000 miles |
#4
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The family coverage is truly outrageous. I know quite a few people who can't afford healthcare for their kids.
I pay about $82 a month for my health care, which is through Great West and seems pretty good. I work for a non-profit.
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Ralph 1985 300D Turbo, CA model 248,650 miles and counting... |
#5
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You guys need to look at New Jersey.
$168 is the absolute cheapest you can get. "Usual" healthcare is $300-$400 a month! Sucks for me! |
#6
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Rate increases
Everytime the rates have gone up for our group coverage, the company I work for has reduced its contribution. The last time they went up they quit kicking in anything. Fortunately, I get my coverage elsewhere. I am looking for a new job, however. I'm surprised the company can keep anybody here.
I read somewhere that medical debt is the leading cause of bankruptcies now. Anybody know if this is true or not. If so, that's a much different picture than the one the banks have painted in the course of lobbying for the new laws governing bankruptcy.
__________________
" We have nothing to fear but the main stream media itself . . . ."- Adapted from Franklin D Roosevelt for the 21st century OBK #55 1998 Lincoln Continental - Sold Max 1984 300TD 285,000 miles - Sold The Dee8gonator 1987 560SEC 196,000 miles - Sold Orgasmatron - 2006 CLS500 90,000 miles 2002 C320 Wagon 122,000 miles 2016 AMG GTS 12,000 miles |
#7
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I don't want to turn this into a political thing... I just want to know if this seems like decent care. From what I understand it is "ok" as long as you stay in-network (there is ZERO coverage unless some SERIOUS ***** happens outside of network.)...
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