Healthcare - Sign up Now or Wait?

sweebyNovember 14, 2013

I know this isn't exactly on topic -- but the topic is certainly hot and this group is as informed a bunch as exist...

I'm one of those unfortunate people who will be forced to give up my health insurance plan. Total sarcasm on the "unfortunate" part -- truth on the 'forced to give up' part.

While the ACA is far from perfect, I'm thrilled to discover that for about $200/month less than we're paying now for two CARP (the adjective, not the brand name) health insurance policies, my family will be able to buy a Platinum-level HMO plan from a reputable insurer that included our local hospital and current PCP. Great news, right?

My question is simply this:

Is there any benefit to waiting to sign up? i.e. Should I expect more options in the next few weeks? More competitive pricing?

What I'm seeing now is SO MUCH BETTER than what we currently have, and at a savings of over $200 per month -- I just want to SNAG it before something happens. But I know that eagerness may not be prudent.

Anyone know?

Thank you for reporting this comment. Undo
lionheart_gw

There is no benefit in waiting to sign up. Nothing will change for 2014. The plans that are available now had to put together and accepted quite some time in advance, so there shouldn't be any new options for this year. It is simply too late to be offering new plans at this point.

I guess you could check out some plans off of the exchange to see if you can get something with a better price or better benefits. If you're getting a subsidy, then you probably don't want to bother because you will only get a subsidy on the exchanges.

So go ahead and sign up. Once you pick your insurer, if you don't hear from them in a week or so, please contact your insurer to make sure you have insurance. From what I've read, the info that is being sent from CMS to insurers has been less than reliable.

    Bookmark   November 14, 2013 at 6:40PM
Thank you for reporting this comment. Undo
demifloyd(8)

Sweeby, I'm glad your health care will be more affordable.

    Bookmark   November 14, 2013 at 6:42PM
Thank you for reporting this comment. Undo
sweeby

Thanks Lionheart - That makes sense. And I did also check out each major insurer's website -- but honestly, found the exchange much more readable.

And thank you Demi. The improved price is an unexpected happy surprise. What matters most to me is finally, finally, being able to have the financial security a good health insurance policy provides. The weight lifted off my shoulders is already palpable...

    Bookmark   November 14, 2013 at 6:50PM
Thank you for reporting this comment. Undo
marshallz10(z9-10 CA)

Hey, very good news and finally hearing from the very very very few who will being paying much much much less for better insurance coverage. (a bit of repetitive sarcasm here).

    Bookmark   November 14, 2013 at 6:50PM
Thank you for reporting this comment. Undo
mrskjun(9)

congrats sweeby, it's great to hear a success story.

    Bookmark   November 14, 2013 at 6:53PM
Thank you for reporting this comment. Undo
sweeby

Thanks Marshallz and Mrskjun. I hope there are many more who benefit as well. We're celebrating tonight ;-)

(Of course, now I've got no more excuses for putting off that colonoscopy...)

    Bookmark   November 14, 2013 at 8:14PM
Thank you for reporting this comment. Undo
PRO
Brushworks Spectacular Finishes(5)

(Of course, now I've got no more excuses for putting off that colonoscopy...)

I have 2 quarts of saline laxative left over if you need it. :)

    Bookmark   November 14, 2013 at 8:40PM
Thank you for reporting this comment. Undo
october17(5chgo)

Sweeby - is it the same HMO you were in?

My doctor has left two practices that went HMO. He said he just couldn't send his patients to specialists Mo, Larry and Curly from the HMO. (He's been on his own and doing quite well. Of course, he's not the european villa vacation/yacht type.)

    Bookmark   November 14, 2013 at 8:54PM
Thank you for reporting this comment. Undo
jerzeegirl(9)

He said he just couldn't send his patients to specialists Mo, Larry and Curly from the HMO.

He should take something for that inflated ego.

    Bookmark   November 14, 2013 at 8:59PM
Thank you for reporting this comment. Undo
fancifowl(5Pa)

Id sure wait it out. Things are gonna be changing.

Before I started going to the VAMC the doc I saw went back to Canada, couldn't take the much longer hours here. He stayed 1 year and returned to the US so he could make a living. He goes home to Canada every other weekend.

    Bookmark   November 14, 2013 at 9:17PM
Thank you for reporting this comment. Undo
chase_gw

Sweeby glad to hear the AHCA worked well for you. It did for my niece as well. She is used to universal healthcare and had been so stressed about the restraints on her health insurance until now.

Thanks to the AHCA she has a much better plan now...... affordable and so much better than she had.

Her sister has been diagnosed, at age 29 , with stage 4 colon cancer so she is much more aware than perhaps others her age with the very real chance of serious medical challenges.

In spite of this very rocky start I think the path to universal healthcare in the US is set.....no going back....so why not work together on going forward?

    Bookmark   November 14, 2013 at 9:21PM
Thank you for reporting this comment. Undo
marshallz10(z9-10 CA)

Chase, there is no going back for some areas of the country. On another thread earlier, I posted a link where regional history and experiences rendered North America into at least nine "nations", these falling well within the voting patterns now dominating elections. I'll go hunt for the link and add with edit function.

Here is a link that might be useful: Up in arms

This post was edited by marshallz10 on Thu, Nov 14, 13 at 21:38

    Bookmark   November 14, 2013 at 9:35PM
Thank you for reporting this comment. Undo
chase_gw

I would be interested in that Marshall.

There is so much more to this entire conversation than is happening here.

I truly do believe the path to universal healthcare is set. It won't be an easy and straight road but it will get there....and in the end Barak Obama will be your Tommy Douglas.

.......it will happen

    Bookmark   November 14, 2013 at 9:46PM
Thank you for reporting this comment. Undo
marshallz10(z9-10 CA)

In the end, I agree that we will have universal care but still involving insurance companies with profit motive. Our hospitals are increasingly owned by for-profit ventures with fewer and fewer massive hospitals serving large areas and/or large populations. Pharmaceuticals have yet to be brought into managed care beyond the VA, Medicaid and some other State regulations. I pretty sure that the large hospitals, especially the chain-owned one do negotiate prices on meds and equipment and turn around and charge much higher prices to patients.

    Bookmark   November 14, 2013 at 10:39PM
Thank you for reporting this comment. Undo
adoptedbyhounds

"Great news, right?"

YES! I would be thinking along the same lines you are. I would grab that plan while it's still available. Why wait for the savings and security when you can have them right now? I say go for it.

    Bookmark   November 15, 2013 at 12:28PM
Thank you for reporting this comment. Undo
Circus Peanut

In the end, I agree that we will have universal care but still involving insurance companies with profit motive. Our hospitals are increasingly owned by for-profit ventures with fewer and fewer massive hospitals serving large areas and/or large populations

This is the development that concerns me, and I know too little about: the inverse relation between low income and regional access to care. In my state, which has a few smaller, densely packed counties, and a much larger area of large & extremely rural counties, the health plans vary by hundreds of dollars simply depending on where you live. Those who can afford more live in the more populated areas with lower-priced plans -- but those with less income have to pay a lot more for far fewer service options.

How is that issue being addressed, anyone know details?

    Bookmark   November 15, 2013 at 1:12PM
Sign Up to comment
More Discussions
When median incomes are down 15% there is no 'economic recovery'
Wisconsin is #1 in the US for shrinking middle class...
Lena M
Jeb prepared to be 3rd Bush to use Military in Iraq
This is from the article in the link But he has said...
enmc
Dinosaurs are bad!
This is hard to believe! Ummmm...anyone have an idea...
asleep_in_the_garden
President Obama is a psychopath and the US is like Nazi Germany
Presidential hopeful Ben Carson thinks Obama is a 'psychopath'...
momj47
Angola
"Religious organisations are required to apply...
labrea_gw
Sponsored Products
MUSTEE Grab Bars CareGiver 12 in. x 12 in. x 1-1/2 in. Concealed Screw Grab Bar
$67.48 | Home Depot
Herman Miller | Wireframe 2-Seat Sofa
YLiving.com
Herman Miller | Wireframe 3-Seat Sofa
YLiving.com
Lithonia Lighting Recessed Lighting FS Series 3300 Lumen 2 ft. x 2 ft. White
Home Depot
Tech Lighting | ELEMENT - 3 Inch LED Low-Profile Adjustable Downlight Housing
$484.00 | YLighting
Herman Miller | Wireframe Chair
YLiving.com
Ant Chair - 4 Leg
Design Within Reach
Ant Chair - 3 Leg
Design Within Reach
© 2015 Houzz Inc. Houzz® The new way to design your home™