tag:blogger.com,1999:blog-2450128688601342756.post7800855104218757828..comments2023-11-02T02:35:46.856-05:00Comments on Organized Exploitation: My Personal Health Insurance ComparisonPaul Kroenkehttp://www.blogger.com/profile/06905336586579220647noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-2450128688601342756.post-70428736884057561972013-11-30T10:44:27.781-06:002013-11-30T10:44:27.781-06:00I'm facing a very similar situation for my BCB...I'm facing a very similar situation for my BCBS HSA health plan. OTOH, I'll be saving hugely on my 22-year-old daughter's plan. Would be even without the subsidies.<br /><br />You and your readers might be interested in this calculator app I built to compare what health plans will cost, total?<br /><br />http://health-plan-compare.com<br /><br />This analysis is really hard. Way too many variables for any human to do in their head. I built a spreadsheet for myself a few years ago, just put it up as an app.<br /><br />Start plugging in some numbers, and you see that some plans are just obviously better deals. No way to suss that out without something like this.<br /><br />Full disclosure: if the page gets some traffic, I'm hoping to generate some ad revenue. To that end, I've just tried to provide the best app and information I could.<br /><br />Thanks for listening,<br /><br />SteveSteve Rothhttps://www.blogger.com/profile/11895481216028771016noreply@blogger.comtag:blogger.com,1999:blog-2450128688601342756.post-70791186849439976102013-10-31T14:22:46.029-05:002013-10-31T14:22:46.029-05:00Understood about the pre-existing conditions for 3...Understood about the pre-existing conditions for 365 days, and knew that going into the plan. It's also my perspective that health insurance should not be covering routine visits and tests. My reasoning for this has always been the comparison that your car insurance doesn't pay for your oil change. I think the whole idea behind purchasing the HDHP with HSA program in the first place was that I'd eventually be able to save up enough money in this program to not have to worry about deductibles, medical devices, etc. This came into play this year when a root canal I'd had done a few years ago failed, and I had to get a shiny new fake tooth. Insurance only covered the extraction. Everything from the bone graft up through the new tooth itself was considered cosmetic, since, quite frankly, it is. I was able to pay these costs out of the HSA, which was the point.<br /><br />I don't really even think this scenario that I'm facing right now hits me all that very hard (especially since the HSA I do have provides the option of putting some of your money into the market, if you wish, to compound it faster), and I kind of assume other people are getting hit harder than this in a lot of cases.Paul Kroenkehttps://www.blogger.com/profile/06905336586579220647noreply@blogger.comtag:blogger.com,1999:blog-2450128688601342756.post-66786147985344687902013-10-30T22:48:34.028-05:002013-10-30T22:48:34.028-05:00In fairness it looks like your current plan has an...In fairness it looks like your current plan has an actual OoP maximum of $4,750 since not everything is covered at 100%. Your plan also doesn't cover some things like preexisting conditions for 365 days, some routine visits and tests, most medical equipment, ongoing physical therapy, etc. <br />http://www.bcbsil.com/PDF/benefits/ind_blueedge_hsa_ooc_il.pdf<br /><br />Whether you like it or not, those things are all included in your new coverage. As a healthy young male, you are definitely far on the subsidization end of subscribers. Its unlikely you will be taking advantage of these new coverage items you are paying more for. <br /><br />I would agree that most healthy people are crazy to not take a HDHP with HSA. I'm happily on a plan similar to the Bronze PPO 006, but fortunate to have a company contributions to the premium and HSA incentives (getting screened, BMI value, no smoker) that basically zero out my cost.Anonymoushttps://www.blogger.com/profile/03797899730462197475noreply@blogger.com