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Colorado Exchange Effects
Tue, 05/28/2013 - 18:24Comments
Re: Colorado Exchange Effects
Submitted by MMedical on Thu, 2013-10-03 - 13:07
Re: Colorado Exchange Effects
Submitted by just_joe on Thu, 2013-10-03 - 17:35
I have read up on how some of the rates have been lowered. Basically they have created HMO plans. In odrder to get lower premiums they made the networsk smaller which means fewer doctors. The deductables are higher and if you have to see an out of network specialist they will be cahrging out of network rates. DOctors have already agreed to get paid at a lower than commercial rate also. SO if you live near a hospital it might now be on the network becasue to network may hand say Presbyterian hospital and the closet hospital may be Baylor. I hate HMO's even commercial ones and in companies that offer insurance to their employees only 15% want HMO plans. I have 3 dofferent doctors and they are with 3 different hospitals and in some HMO plans I would lose 1 or 2 of them. I will not lose my doctors because I have had them for many years.
You said you had insurance thru the company but you dropped it. Well understand I too got my insurance thru my employer and my epilepsy was not covered for a certain period of time. After that time period everything was covered medications tests everything. If the company changed carriers I was covered with the new carrier becasue I had already been covered.
They are still having issues with the exchanges but you can bring them up with the sites others have listed
Hope this helps
I have read up on how some of the rates have been lowered. Basically they have created HMO plans. In odrder to get lower premiums they made the networsk smaller which means fewer doctors. The deductables are higher and if you have to see an out of network specialist they will be cahrging out of network rates. DOctors have already agreed to get paid at a lower than commercial rate also. SO if you live near a hospital it might now be on the network becasue to network may hand say Presbyterian hospital and the closet hospital may be Baylor. I hate HMO's even commercial ones and in companies that offer insurance to their employees only 15% want HMO plans. I have 3 dofferent doctors and they are with 3 different hospitals and in some HMO plans I would lose 1 or 2 of them. I will not lose my doctors because I have had them for many years.
You said you had insurance thru the company but you dropped it. Well understand I too got my insurance thru my employer and my epilepsy was not covered for a certain period of time. After that time period everything was covered medications tests everything. If the company changed carriers I was covered with the new carrier becasue I had already been covered.
They are still having issues with the exchanges but you can bring them up with the sites others have listed
Hope this helps
Re: Colorado Exchange Effects
Submitted by dpkhandro on Tue, 2013-05-28 - 19:06
Looks like it should be up by October 2013. You can check out this link for more information: http://www.coloradohealthinsuranceexchange.us/