General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsQuestions about the Health care exchanges :
Is there a difference between company "A"s Gold plan and company "B"s Gold plan?
Do all the doctors, hospitals, etc who accept company A also accept company B?
Why would someone pay more for company A over company B?
zipplewrath
(16,646 posts)Yes
Do all the doctors, hospitals, etc who accept company A also accept company B?
Not necessarily
Why would someone pay more for company A over company B?
Because of the answers to the two above.
You're asking good questions, because people who are shopping should pay attention to the details about these things. There are standards for these plans, but there are variations within the rules. And what doctors/hospitals/outpatient etc. is important. If you have a pre-existing condition, one should probably check in GREAT detail about the exact charges and benefits under each plan.
annabanana
(52,791 posts)more people are allowed to spend their money on something that should be covered by taxes as a matter of course......
Well hoo friggen' ray
zipplewrath
(16,646 posts)Basically the first thing that ACA did was to federalize the health insurance industry. Then, having that power, it attempted to "standardize" it a bit. Then, by standardizing it, they could attempt to coerce everyone to participate. Increasing and standardizing participation allowed rates to decreased for some, increased for others, and put employers in a position to have more predictable insurance costs.
The end result is about 7% increased coverage if only the sick and infirmed participate, 12% if the young and healthy participate.
pnwmom
(108,976 posts)cally
(21,593 posts)Amount of coverage beyond the baseline will vary
pnwmom
(108,976 posts)I know someone with PTSD who found a policy that covered mental health visits (partially) but can't get treatment because it's a preexisting condition.
PoliticAverse
(26,366 posts)Plans at each level must meet minimum requirements, but can differ significantly in specifics like
which doctors participate, coverage for things exceeding the minimum requirement, etc.
Skittles
(153,147 posts)hedgehog
(36,286 posts)for health insurance!
Skittles
(153,147 posts)I'm not crazy about keeping these corrupt insurance companies in the mix but I do know there's severe problems with health care in America and something needs to be done
hedgehog
(36,286 posts)I can accept this as a step to single payer. I think we are already seeing improvements in the health care system brought by some of the other reforms. The bill wasn't only about paying for medical care but also about improving medical care.
Skittles
(153,147 posts)we will see