Is a $5,000 deductible Obamacare policy fair to the poor?

[Care4all]

View attachment 38785 Care4all

Thank you!

Now one more thing....

Put in a 20 year old single male making 35k a year.... for these exact 3 silver plans

I want to see if they are putting the Cost Sharing Reduction in the figures or not?

gaaaaaaaa! Yes Mom! lol

what is the link? can I get in there?

Is Maine signed up for the Marketplace?

healthcare.gov

and I tried the other day to go in there to show an example on here and the site was limited to those that are eligible to enroll MID season, after they closed...it wasn't opened to do comparisons for me.

 

[MeBelle]

View attachment 38785 Care4all

Thank you!

Now one more thing....

Put in a 20 year old single male making 35k a year.... for these exact 3 silver plans

I want to see if they are putting the Cost Sharing Reduction in the figures or not?

gaaaaaaaa! Yes Mom! lol

what is the link? can I get in there?

Is Maine signed up for the Marketplace?

healthcare.gov

and I tried the other day to go in there to show an example on here and the site was limited to those that are eligible to enroll MID season, after they closed...it wasn't opened to do comparisons for me.

I noticed there was only one graph to compare from. Covered California goes by zip codes/counties. The county I live in could be less or more expensive then say, Los Angeles.

 

[MeBelle]

Care4all

i can't tell, it was cut off on parts I wanted to compare...and one gives a summary and the other screen print doesn't?

 

[Care4all]

This Silver Plan was for a single male $20 k a year, 20 year old with the zip code of 90210 (hahahaha, the only zip code I knew by heart in California )

Paying only $76 a month, for full coverage

 

[Care4all]

I am assuming this plan above is with the cost sharing Reductions....

and it appears to be a very good plan as far as low deductibles, low out of pocket expense if he gets injured or hospitalized it is 15%/85%, and low copays to see the doctor and very low emergency room visits... etc....

 

[MeBelle]

I am assuming this plan above is with the cost sharing Reductions....

and it appears to be a very good plan as far as low deductibles, low out of pocket expense if he gets injured or hospitalized it is 15%/85%, and low copays to see the doctor and very low emergency room visits... etc....

What was their out of pocket before health insurance kicked in?

Health Net is not available in my County.

 

[Care4all]

A male 20 year old, making 20 k, qualifies for a Silver 87 plan, the third one over from the left.... with cost sharing reductions, it is affordable and is full coverage, UNLIKE the BRONZE lower coverage plans....

POORER PEOPLE ARE MAKING HUGE MISTAKES by going and buying a lower level Bronze Plan with these huge deductibles and out of pocket expenses, without seeing what a silver plan would cost them with full coverage and the gvt help of Cost Sharing Reduction...ONLY APPLIED to these Silver Plans....

 

[RKMBrown]

A male 20 year old, making 20 k, qualifies for a Silver 87 plan, the third one over from the left.... with cost sharing reductions, it is affordable and is full coverage, UNLIKE the BRONZE lower coverage plans....

POORER PEOPLE ARE MAKING HUGE MISTAKES by going and buying a lower level Bronze Plan with these huge deductibles and out of pocket expenses, without seeing what a silver plan would cost them with full coverage and the gvt help of Cost Sharing Reduction...ONLY APPLIED to these Silver Plans....

View attachment 38794

ROFL

 

[Care4all]

I am assuming this plan above is with the cost sharing Reductions....

and it appears to be a very good plan as far as low deductibles, low out of pocket expense if he gets injured or hospitalized it is 15%/85%, and low copays to see the doctor and very low emergency room visits... etc....

What was their out of pocket before health insurance kicked in?

Health Net is not available in my County.

ohhh, so sorry they are not avail in your county...but since it is a generic example of a 20 year old male making $20 k my 90210 county should give us a pretty good idea.

Their overall total deductible was $500, HOWEVER all Doctor's visits are NOT subject to the deductible first, they are a copay and his copay is $15 for a Doctor's visit, and generic drugs was a $5 copay, brand name had a $50 deductible to pay first, then just $15 per prescription....if he needed x rays, he would need to pay only $20 as the deductible not the $500....

For a young, poorer person, it's pretty darn good coverage for the 'just in cases' that can happen...

 

[Care4all]

A male 20 year old, making 20 k, qualifies for a Silver 87 plan, the third one over from the left.... with cost sharing reductions, it is affordable and is full coverage, UNLIKE the BRONZE lower coverage plans....

POORER PEOPLE ARE MAKING HUGE MISTAKES by going and buying a lower level Bronze Plan with these huge deductibles and out of pocket expenses, without seeing what a silver plan would cost them with full coverage and the gvt help of Cost Sharing Reduction...ONLY APPLIED to these Silver Plans....

View attachment 38794

ROFL

And what are you laughing at...RK?

Do you not understand that a poorer person must choose one of the Silver Plans in order to get the ADDITIONAL help from the government? HELP that is in ADDITION to their Premium Subsidy, so that they DO NOT have to pay the $6000 in out of pocket expenses or the $5000 deductibles per individual?

 

[RKMBrown]

A male 20 year old, making 20 k, qualifies for a Silver 87 plan, the third one over from the left.... with cost sharing reductions, it is affordable and is full coverage, UNLIKE the BRONZE lower coverage plans....

POORER PEOPLE ARE MAKING HUGE MISTAKES by going and buying a lower level Bronze Plan with these huge deductibles and out of pocket expenses, without seeing what a silver plan would cost them with full coverage and the gvt help of Cost Sharing Reduction...ONLY APPLIED to these Silver Plans....

View attachment 38794

ROFL

And what are you laughing at...RK?

Do you not understand that a poorer person must choose one of the Silver Plans in order to get the ADDITIONAL help from the government? HELP that is in ADDITION to their Premium Subsidy, so that they DO NOT have to pay the $6000 in out of pocket expenses or the $5000 deductibles per individual?

It's not about maximizing the amount of money you can shill from the tax payer or minimizing your deductible. It's about getting the health care you need for the least amount of money. You are focused like a laser on maximum out of pocket costs. All the while completely ignoring minimum out of pocket costs for the premiums. Maybe you are not healthy and you max out your deductible each year. As for me and my family so far, knock on wood, we have only maxed out our deductibles twice in 30years. The rest of those years we never even came close to maxing out of pockets.

 

[jon_berzerk]

View attachment 38774

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

The point is, that your title is incorrect and your assumptions about this woman's policy is probably incorrect as well.

The poor, yes, your title SAID the poor on the Exchange have to pay $5000 deductibles and that is simply NOT TRUE, the poor get extra help in paying those deductibles and copays, with a Silver plan, on the exchange....they may have opted OUT of the silver plan, but that was their decision not to get the extra help.

I don't believe you intentionally mislead us, I think you, along with a lot of other people are unaware of the full program for the poorest on the exchange.

It's not like it is ADVERTISED on TV that there are cost sharing programs for the poorest on the exchange in addition to their subsidy for the premiums.... you have to research to find these things out, which I did over a year or two ago, when all of you guys kept mentioning the $5000 deductibles for the poor...and I volunteered at the community church to help the poor sign up.

Exchange have to pay $5000 deductibles and that is simply NOT TRUE

bs why do you keep lying

i have posted several policies for the poor on this thread

that show the poor paying much more then 5000

5000 deductible plus 5000 out of pocket plus 50 percent co insurance

Covered California


Bronze plans for Covered CA, single male earning $20k a year $5k deductible.

The verbiage has changed to make it look so pretty.

And of course the darn link doesn't work. Broken, just like everything Californian

MaBelle,

You wrongly put in for a bronze plan.

Please do that same exercise and put in for a SILVER PLAN.

POST 115 shows that if a single man makes between $11500 to $29000 they are eligible to receive a second/additional supplement with COST SHARING REDUCTION AS LONG AS they pick a SILVER LEVEL PLAN.

There is no additional help with a bronze plan.

IT MUST BE A SILVER LEVEL PLAN.

A SILVER PLAN

A SILVER PLAN

A SILVER PLAN

NOT a BRONZE.

Please try it, use your same example of 20 years old, single male etc ans show us what it says the coverage is for that with his additional subsidy CSR.

IT MUST BE A SILVER LEVEL PLAN.

bs

why bother to even offer bronze plans if they cant have them


--LOL

 

[Care4all]

A male 20 year old, making 20 k, qualifies for a Silver 87 plan, the third one over from the left.... with cost sharing reductions, it is affordable and is full coverage, UNLIKE the BRONZE lower coverage plans....

POORER PEOPLE ARE MAKING HUGE MISTAKES by going and buying a lower level Bronze Plan with these huge deductibles and out of pocket expenses, without seeing what a silver plan would cost them with full coverage and the gvt help of Cost Sharing Reduction...ONLY APPLIED to these Silver Plans....

View attachment 38794

ROFL

And what are you laughing at...RK?

Do you not understand that a poorer person must choose one of the Silver Plans in order to get the ADDITIONAL help from the government? HELP that is in ADDITION to their Premium Subsidy, so that they DO NOT have to pay the $6000 in out of pocket expenses or the $5000 deductibles per individual?

It's not about maximizing the amount of money you can shill from the tax payer or minimizing your deductible. It's about getting the health care you need for the least amount of money. You are focused like a laser on maximum out of pocket costs. All the while completely ignoring minimum out of pocket costs for the premiums. Maybe you are not healthy and you max out your deductible each year. As for me and my family so far, knock on wood, we have only maxed out our deductibles twice in 30years. The rest of those years we never even came close to maxing out of pockets.

I am focused on the Poor, which is what the title of this thread speaks of and what this thread is suppose to be ABOUT, Rkm.

And those that are poor, who take out a silver Plan which is better than the Bronze level plan in Coverage, the government comes in and pays for a good portion of your deductibles and a good portion of your yearly out of pocket expense, and reduces your copays so that these poor people can afford it...can afford to go to the doctor all the time if they are sick or to go to the doctor just a handful of times a year if you are just normal.

And for a male 20 year old making $20k a year that MaBelle gave as an example, could get a policy in zip 90210, for a $76 premium a month, which IS affordable, with $15 copays for Doctor's visits, which is also affordable, and with $5 copays for generic prescriptions, which is also affordable....

There is no $5000 deductibles that have to be paid out of pocket and everything is affordable.... according to the fees it shows in black and white for the various medical care.

 

[Care4all]

View attachment 38774

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

The point is, that your title is incorrect and your assumptions about this woman's policy is probably incorrect as well.

The poor, yes, your title SAID the poor on the Exchange have to pay $5000 deductibles and that is simply NOT TRUE, the poor get extra help in paying those deductibles and copays, with a Silver plan, on the exchange....they may have opted OUT of the silver plan, but that was their decision not to get the extra help.

I don't believe you intentionally mislead us, I think you, along with a lot of other people are unaware of the full program for the poorest on the exchange.

It's not like it is ADVERTISED on TV that there are cost sharing programs for the poorest on the exchange in addition to their subsidy for the premiums.... you have to research to find these things out, which I did over a year or two ago, when all of you guys kept mentioning the $5000 deductibles for the poor...and I volunteered at the community church to help the poor sign up.

Exchange have to pay $5000 deductibles and that is simply NOT TRUE

bs why do you keep lying

i have posted several policies for the poor on this thread

that show the poor paying much more then 5000

5000 deductible plus 5000 out of pocket plus 50 percent co insurance

Covered California


Bronze plans for Covered CA, single male earning $20k a year $5k deductible.

The verbiage has changed to make it look so pretty.

And of course the darn link doesn't work. Broken, just like everything Californian

MaBelle,

You wrongly put in for a bronze plan.

Please do that same exercise and put in for a SILVER PLAN.

POST 115 shows that if a single man makes between $11500 to $29000 they are eligible to receive a second/additional supplement with COST SHARING REDUCTION AS LONG AS they pick a SILVER LEVEL PLAN.

There is no additional help with a bronze plan.

IT MUST BE A SILVER LEVEL PLAN.

A SILVER PLAN

A SILVER PLAN

A SILVER PLAN

NOT a BRONZE.

Please try it, use your same example of 20 years old, single male etc ans show us what it says the coverage is for that with his additional subsidy CSR.

IT MUST BE A SILVER LEVEL PLAN.

bs

why bother to even offer bronze plans if they cant have them


--LOL

GAWD you are slow in picking up all of this and understanding all of this and actually reading the charts that the Health Care State program shows and what has been put before your very eyes.

Please Drink some more coffee, and WAKE UP!

It must be a
Silver Level Plan in order for the government to come in and give additional help with their Cost Sharing Reduction plan for the poorer. The law made the rule, for it to be a Silver Plan...probably becasue it is so much better coverage than these Bronze plans...and if the gvt is going to help you further with your medical care and conditions, then they want to make certain that your health care coverage is worth them paying for?

They can still choose to buy in to a bronze plan if they want to save a few bucks a month for the monthly premium.

BUT they are more than likely IGNORANT to do such and are UNAWARE of how the Cost Sharing Reductions work, and that in order to get some additional help, they must purchase a /silver Plan.

But the sites for Healthcare DO PASTE IT ALL OVER THE PLACE, that a Silver plan must be purchased in order to get additional savings and help...I pasted a copy of it previously and here it is again, in the first paragraph, after I had entered in 20yr male, $20k a year... below this copy and paste, it gives choices of different Silver plan policies from lowest price to most expensive...
I showed that earlier too where it gives the kind of costs per coverage on this special cost reduction plan.

NOTE!
Silver Plan Benefits
Based on your income and household size, you may qualify for Cost Sharing Reduction, which means you may be able to get improved benefits on the Enhanced Silver Plan you qualify for with no additional cost. You can get these improved benefits with any of the carriers listed below as long as you apply for a Silver Plan. View the Silver Plans in your quotes to see which Enhanced Silver Plan you qualify for.

This 20 yr old qualified for the SILVER 87 plan, it is reasonable and could be managed on his income.

 

[jon_berzerk]

View attachment 38774

The point is, that your title is incorrect and your assumptions about this woman's policy is probably incorrect as well.

The poor, yes, your title SAID the poor on the Exchange have to pay $5000 deductibles and that is simply NOT TRUE, the poor get extra help in paying those deductibles and copays, with a Silver plan, on the exchange....they may have opted OUT of the silver plan, but that was their decision not to get the extra help.

I don't believe you intentionally mislead us, I think you, along with a lot of other people are unaware of the full program for the poorest on the exchange.

It's not like it is ADVERTISED on TV that there are cost sharing programs for the poorest on the exchange in addition to their subsidy for the premiums.... you have to research to find these things out, which I did over a year or two ago, when all of you guys kept mentioning the $5000 deductibles for the poor...and I volunteered at the community church to help the poor sign up.

Exchange have to pay $5000 deductibles and that is simply NOT TRUE

bs why do you keep lying

i have posted several policies for the poor on this thread

that show the poor paying much more then 5000

5000 deductible plus 5000 out of pocket plus 50 percent co insurance

Covered California


Bronze plans for Covered CA, single male earning $20k a year $5k deductible.

The verbiage has changed to make it look so pretty.

And of course the darn link doesn't work. Broken, just like everything Californian

MaBelle,

You wrongly put in for a bronze plan.

Please do that same exercise and put in for a SILVER PLAN.

POST 115 shows that if a single man makes between $11500 to $29000 they are eligible to receive a second/additional supplement with COST SHARING REDUCTION AS LONG AS they pick a SILVER LEVEL PLAN.

There is no additional help with a bronze plan.

IT MUST BE A SILVER LEVEL PLAN.

A SILVER PLAN

A SILVER PLAN

A SILVER PLAN

NOT a BRONZE.

Please try it, use your same example of 20 years old, single male etc ans show us what it says the coverage is for that with his additional subsidy CSR.

IT MUST BE A SILVER LEVEL PLAN.

bs

why bother to even offer bronze plans if they cant have them


--LOL

GAWD you are slow in picking up all of this and understanding all of this and actually reading the charts that the Health Care State program shows and what has been put before your very eyes.

Please Drink some more coffee, and WAKE UP!

It must be a
Silver Level Plan in order for the government to come in and give additional help with their Cost Sharing Reduction plan for the poorer. The law made the rule, for it to be a Silver Plan...probably becasue it is so much better coverage than these Bronze plans...and if the gvt is going to help you further with your medical care and conditions, then they want to make certain that your health care coverage is worth them paying for?

They can still choose to buy in to a bronze plan if they want to save a few bucks a month for the monthly premium.

BUT they are more than likely IGNORANT to do such and are UNAWARE of how the Cost Sharing Reductions work, and that in order to get some additional help, they must purchase a /silver Plan.

But the sites for Healthcare DO PASTE IT ALL OVER THE PLACE, that a Silver plan must be purchased in order to get additional savings and help...I pasted a copy of it previously and here it is again, in the first paragraph, after I had entered in 20yr male, $20k a year... below this copy and paste, it gives choices of different Silver plan policies from lowest price to most expensive...
I showed that earlier too where it gives the kind of costs per coverage on this special cost reduction plan.

NOTE!
Silver Plan Benefits
Based on your income and household size, you may qualify for Cost Sharing Reduction, which means you may be able to get improved benefits on the Enhanced Silver Plan you qualify for with no additional cost. You can get these improved benefits with any of the carriers listed below as long as you apply for a Silver Plan. View the Silver Plans in your quotes to see which Enhanced Silver Plan you qualify for.

View attachment 38796

This 20 yr old qualified for the SILVER 87 plan, it is reasonable and could be managed on his income.

*may qualify*
you like moving the goal posts around you frikking jerk

buzz off ya liar

 

[jon_berzerk]

A male 20 year old, making 20 k, qualifies for a Silver 87 plan, the third one over from the left.... with cost sharing reductions, it is affordable and is full coverage, UNLIKE the BRONZE lower coverage plans....

POORER PEOPLE ARE MAKING HUGE MISTAKES by going and buying a lower level Bronze Plan with these huge deductibles and out of pocket expenses, without seeing what a silver plan would cost them with full coverage and the gvt help of Cost Sharing Reduction...ONLY APPLIED to these Silver Plans....

View attachment 38794

ROFL

And what are you laughing at...RK?

Do you not understand that a poorer person must choose one of the Silver Plans in order to get the ADDITIONAL help from the government? HELP that is in ADDITION to their Premium Subsidy, so that they DO NOT have to pay the $6000 in out of pocket expenses or the $5000 deductibles per individual?

It's not about maximizing the amount of money you can shill from the tax payer or minimizing your deductible. It's about getting the health care you need for the least amount of money. You are focused like a laser on maximum out of pocket costs. All the while completely ignoring minimum out of pocket costs for the premiums. Maybe you are not healthy and you max out your deductible each year. As for me and my family so far, knock on wood, we have only maxed out our deductibles twice in 30years. The rest of those years we never even came close to maxing out of pockets.

there are silver plans out there with no deductible no out of pocket

however the ones for the guy who made 14 grand a year

the silver premium like that came out to 486 dollars a month

as if that is even realistic for that income

--LOL

 

[Care4all]

View attachment 38774

Exchange have to pay $5000 deductibles and that is simply NOT TRUE

bs why do you keep lying

i have posted several policies for the poor on this thread

that show the poor paying much more then 5000

5000 deductible plus 5000 out of pocket plus 50 percent co insurance

Covered California


Bronze plans for Covered CA, single male earning $20k a year $5k deductible.

The verbiage has changed to make it look so pretty.

And of course the darn link doesn't work. Broken, just like everything Californian

MaBelle,

You wrongly put in for a bronze plan.

Please do that same exercise and put in for a SILVER PLAN.

POST 115 shows that if a single man makes between $11500 to $29000 they are eligible to receive a second/additional supplement with COST SHARING REDUCTION AS LONG AS they pick a SILVER LEVEL PLAN.

There is no additional help with a bronze plan.

IT MUST BE A SILVER LEVEL PLAN.

A SILVER PLAN

A SILVER PLAN

A SILVER PLAN

NOT a BRONZE.

Please try it, use your same example of 20 years old, single male etc ans show us what it says the coverage is for that with his additional subsidy CSR.

IT MUST BE A SILVER LEVEL PLAN.

bs

why bother to even offer bronze plans if they cant have them


--LOL

GAWD you are slow in picking up all of this and understanding all of this and actually reading the charts that the Health Care State program shows and what has been put before your very eyes.

Please Drink some more coffee, and WAKE UP!

It must be a
Silver Level Plan in order for the government to come in and give additional help with their Cost Sharing Reduction plan for the poorer. The law made the rule, for it to be a Silver Plan...probably becasue it is so much better coverage than these Bronze plans...and if the gvt is going to help you further with your medical care and conditions, then they want to make certain that your health care coverage is worth them paying for?

They can still choose to buy in to a bronze plan if they want to save a few bucks a month for the monthly premium.

BUT they are more than likely IGNORANT to do such and are UNAWARE of how the Cost Sharing Reductions work, and that in order to get some additional help, they must purchase a /silver Plan.

But the sites for Healthcare DO PASTE IT ALL OVER THE PLACE, that a Silver plan must be purchased in order to get additional savings and help...I pasted a copy of it previously and here it is again, in the first paragraph, after I had entered in 20yr male, $20k a year... below this copy and paste, it gives choices of different Silver plan policies from lowest price to most expensive...
I showed that earlier too where it gives the kind of costs per coverage on this special cost reduction plan.

NOTE!
Silver Plan Benefits
Based on your income and household size, you may qualify for Cost Sharing Reduction, which means you may be able to get improved benefits on the Enhanced Silver Plan you qualify for with no additional cost. You can get these improved benefits with any of the carriers listed below as long as you apply for a Silver Plan. View the Silver Plans in your quotes to see which Enhanced Silver Plan you qualify for.

View attachment 38796

This 20 yr old qualified for the SILVER 87 plan, it is reasonable and could be managed on his income.

*may qualify*
you like moving the goal posts around you frikking jerk

buzz off ya liar

deep breath and sigh....

AS I said previously, following this statement that I screen printed, it showed the various policies that he qualified for and he qualified for the Silver 87 plan.

Look under Silver 87 to see the kind of fees he would have to pay for his Medical care... and scroll up above and look at all of the other screen prints on this 20 yr old 20k a year example we are using.

this is for the first plan in his choices to choose from....

What you and others are posting about $5000 deductibles do not apply to the poorer people who qualified for an enhanced insurance Plan through Cost Sharing Reductions if they buy a Silver Plan.

and look, here it is again, saying to pick a Silver Plan for more help. Next to GOOD NEWS:

It shows all of the plans he can buy with subsidies including Bronze or Platinum, but it tells him to buy a silver plan if he wants additional help....then it goes on to list the Silver 87 plans that he is eligible to buy that are part of the Cost sharing reduction plan....(and for him, he qualifies for the Silver number 87 plans.)

If you and others can STILL not understand this then I don;t know what to say....

 

[jon_berzerk]

View attachment 38774 Covered California


Bronze plans for Covered CA, single male earning $20k a year $5k deductible.

The verbiage has changed to make it look so pretty.

And of course the darn link doesn't work. Broken, just like everything Californian

MaBelle,

You wrongly put in for a bronze plan.

Please do that same exercise and put in for a SILVER PLAN.

POST 115 shows that if a single man makes between $11500 to $29000 they are eligible to receive a second/additional supplement with COST SHARING REDUCTION AS LONG AS they pick a SILVER LEVEL PLAN.

There is no additional help with a bronze plan.

IT MUST BE A SILVER LEVEL PLAN.

A SILVER PLAN

A SILVER PLAN

A SILVER PLAN

NOT a BRONZE.

Please try it, use your same example of 20 years old, single male etc ans show us what it says the coverage is for that with his additional subsidy CSR.

IT MUST BE A SILVER LEVEL PLAN.

bs

why bother to even offer bronze plans if they cant have them


--LOL

GAWD you are slow in picking up all of this and understanding all of this and actually reading the charts that the Health Care State program shows and what has been put before your very eyes.

Please Drink some more coffee, and WAKE UP!

It must be a
Silver Level Plan in order for the government to come in and give additional help with their Cost Sharing Reduction plan for the poorer. The law made the rule, for it to be a Silver Plan...probably becasue it is so much better coverage than these Bronze plans...and if the gvt is going to help you further with your medical care and conditions, then they want to make certain that your health care coverage is worth them paying for?

They can still choose to buy in to a bronze plan if they want to save a few bucks a month for the monthly premium.

BUT they are more than likely IGNORANT to do such and are UNAWARE of how the Cost Sharing Reductions work, and that in order to get some additional help, they must purchase a /silver Plan.

But the sites for Healthcare DO PASTE IT ALL OVER THE PLACE, that a Silver plan must be purchased in order to get additional savings and help...I pasted a copy of it previously and here it is again, in the first paragraph, after I had entered in 20yr male, $20k a year... below this copy and paste, it gives choices of different Silver plan policies from lowest price to most expensive...
I showed that earlier too where it gives the kind of costs per coverage on this special cost reduction plan.

NOTE!
Silver Plan Benefits
Based on your income and household size, you may qualify for Cost Sharing Reduction, which means you may be able to get improved benefits on the Enhanced Silver Plan you qualify for with no additional cost. You can get these improved benefits with any of the carriers listed below as long as you apply for a Silver Plan. View the Silver Plans in your quotes to see which Enhanced Silver Plan you qualify for.

View attachment 38796

This 20 yr old qualified for the SILVER 87 plan, it is reasonable and could be managed on his income.

*may qualify*
you like moving the goal posts around you frikking jerk

buzz off ya liar

deep breath and sigh....

AS I said previously, following this statement that I screen printed, it showed the various policies that he qualified for and he qualified for the Silver 87 plan.

Look under Silver 87 to see the kind of fees he would have to pay for his Medical care... and scroll up above and look at all of the other screen prints on this 20 yr old 20k a year example we are using.
View attachment 38797

View attachment 38798
View attachment 38799
View attachment 38800

this is for the first plan in his choices to choose from....

What you and others are posting about $5000 deductibles do not apply to the poorer people who qualified for an enhanced insurance Plan through Cost Sharing Reductions if they buy a Silver Plan.

and look, here it is again, saying to pick a Silver Plan for more help. Next to GOOD NEWS:

View attachment 38801It shows all of the plans he can buy with subsidies including Bronze or Platinum, but it tells him to buy a silver plan if he wants additional help....then it goes on to list the Silver 87 plans that he is eligible to buy that are part of the Cost sharing reduction plan....(and for him, he qualifies for the Silver number 87 plans.)

If you and others can STILL not understand this then I don;t know what to say....

you dont like to show the costs or out of pockets why is that

Zip Code: 90210
Total household income: $20,000
Household members: 1




Your monthly premium

$121.03

After premium assistance of $46.00

Out-of-pocket maximum (Individual )Tooltip Help text The most you can pay for health expenses before the plan pays for all medical care. This includes the deductible, copayments at doctor's offices, and the percentage of medical expenses (called coinsurance). After you reach the maximum, the insurance company covers all medical care expenses. Help text finished
$4000

$6250

$2250

 

[Care4all]

A male 20 year old, making 20 k, qualifies for a Silver 87 plan, the third one over from the left.... with cost sharing reductions, it is affordable and is full coverage, UNLIKE the BRONZE lower coverage plans....

POORER PEOPLE ARE MAKING HUGE MISTAKES by going and buying a lower level Bronze Plan with these huge deductibles and out of pocket expenses, without seeing what a silver plan would cost them with full coverage and the gvt help of Cost Sharing Reduction...ONLY APPLIED to these Silver Plans....

View attachment 38794

ROFL

And what are you laughing at...RK?

Do you not understand that a poorer person must choose one of the Silver Plans in order to get the ADDITIONAL help from the government? HELP that is in ADDITION to their Premium Subsidy, so that they DO NOT have to pay the $6000 in out of pocket expenses or the $5000 deductibles per individual?

It's not about maximizing the amount of money you can shill from the tax payer or minimizing your deductible. It's about getting the health care you need for the least amount of money. You are focused like a laser on maximum out of pocket costs. All the while completely ignoring minimum out of pocket costs for the premiums. Maybe you are not healthy and you max out your deductible each year. As for me and my family so far, knock on wood, we have only maxed out our deductibles twice in 30years. The rest of those years we never even came close to maxing out of pockets.

there are silver plans out there with no deductible no out of pocket

however the ones for the guy who made 14 grand a year

the silver premium like that came out to 486 dollars a month

as if that is even realistic for that income

--LOL

Why would you want a plan with no deductible at all unless you were planning on or knew you were gravely ill and was going to be in the hospital 24/7 or going to the Doctor 7 times a week, 52 weeks a year?

For $76 dollars a month premium, this guy making $20k has to pay nothing for his wellness visit and then only $15 for his doctor's visits after that, and even if he needs lab work, his deductible is only $15 and if he needs x rays his deductibles is only $20? He has a yearly deductible of $500 but that does NOT have to be paid all upfront...as shown above he pays $15 deductible for Lab work, and then that $15 comes out of the total deductible of the yearly $500.

My State has similar Silver 87 Plans for those poorer citizens, cost Sharing Reduction Plans as California, and I am certain, every State does, since it is part of the Law itself.

 

[Care4all]

MaBelle,

You wrongly put in for a bronze plan.

Please do that same exercise and put in for a SILVER PLAN.

POST 115 shows that if a single man makes between $11500 to $29000 they are eligible to receive a second/additional supplement with COST SHARING REDUCTION AS LONG AS they pick a SILVER LEVEL PLAN.

There is no additional help with a bronze plan.

IT MUST BE A SILVER LEVEL PLAN.

A SILVER PLAN

A SILVER PLAN

A SILVER PLAN

NOT a BRONZE.

Please try it, use your same example of 20 years old, single male etc ans show us what it says the coverage is for that with his additional subsidy CSR.

IT MUST BE A SILVER LEVEL PLAN.

bs

why bother to even offer bronze plans if they cant have them


--LOL

GAWD you are slow in picking up all of this and understanding all of this and actually reading the charts that the Health Care State program shows and what has been put before your very eyes.

Please Drink some more coffee, and WAKE UP!

It must be a
Silver Level Plan in order for the government to come in and give additional help with their Cost Sharing Reduction plan for the poorer. The law made the rule, for it to be a Silver Plan...probably becasue it is so much better coverage than these Bronze plans...and if the gvt is going to help you further with your medical care and conditions, then they want to make certain that your health care coverage is worth them paying for?

They can still choose to buy in to a bronze plan if they want to save a few bucks a month for the monthly premium.

BUT they are more than likely IGNORANT to do such and are UNAWARE of how the Cost Sharing Reductions work, and that in order to get some additional help, they must purchase a /silver Plan.

But the sites for Healthcare DO PASTE IT ALL OVER THE PLACE, that a Silver plan must be purchased in order to get additional savings and help...I pasted a copy of it previously and here it is again, in the first paragraph, after I had entered in 20yr male, $20k a year... below this copy and paste, it gives choices of different Silver plan policies from lowest price to most expensive...
I showed that earlier too where it gives the kind of costs per coverage on this special cost reduction plan.

NOTE!
Silver Plan Benefits
Based on your income and household size, you may qualify for Cost Sharing Reduction, which means you may be able to get improved benefits on the Enhanced Silver Plan you qualify for with no additional cost. You can get these improved benefits with any of the carriers listed below as long as you apply for a Silver Plan. View the Silver Plans in your quotes to see which Enhanced Silver Plan you qualify for.

View attachment 38796

This 20 yr old qualified for the SILVER 87 plan, it is reasonable and could be managed on his income.

*may qualify*
you like moving the goal posts around you frikking jerk

buzz off ya liar

deep breath and sigh....

AS I said previously, following this statement that I screen printed, it showed the various policies that he qualified for and he qualified for the Silver 87 plan.

Look under Silver 87 to see the kind of fees he would have to pay for his Medical care... and scroll up above and look at all of the other screen prints on this 20 yr old 20k a year example we are using.
View attachment 38797

View attachment 38798
View attachment 38799
View attachment 38800

this is for the first plan in his choices to choose from....

What you and others are posting about $5000 deductibles do not apply to the poorer people who qualified for an enhanced insurance Plan through Cost Sharing Reductions if they buy a Silver Plan.

and look, here it is again, saying to pick a Silver Plan for more help. Next to GOOD NEWS:

View attachment 38801It shows all of the plans he can buy with subsidies including Bronze or Platinum, but it tells him to buy a silver plan if he wants additional help....then it goes on to list the Silver 87 plans that he is eligible to buy that are part of the Cost sharing reduction plan....(and for him, he qualifies for the Silver number 87 plans.)

If you and others can STILL not understand this then I don;t know what to say....

you dont like to show the costs or out of pockets why is that

Zip Code: 90210
Total household income: $20,000
Household members: 1




Your monthly premium

$121.03

After premium assistance of $46.00

Out-of-pocket maximum (Individual )Tooltip Help text The most you can pay for health expenses before the plan pays for all medical care. This includes the deductible, copayments at doctor's offices, and the percentage of medical expenses (called coinsurance). After you reach the maximum, the insurance company covers all medical care expenses. Help text finished
$4000

$6250

$2250

It's on there, on one of the cut and paste charts, it says his total out of pocket on the year before Insurance comes in and pays 100% OF EVERYTHING would be $2250 yr. (near the bottom)