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Bypassing Patient Protection laws
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Re: Bypassing Patient Protection laws
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Doo
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: 6347
May 17 11 3:02 PM
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My Recent Posts
Maybe this is a state or regional thing. In recent health insurance shopping, I saw lots of deductibles of $1500 to $5000 and just a few higher than that.
It was cheaper for me to get a "child only" policy for my youngster (at $100 premium per month, 4 visits at $40 copay, then $1500 deductible, then 85% coverage) than it was to put her on my plan.
I just did a "quick quote" on my broker's website, and for a 35 year old male and a 6 year old female (just as an example), with up to $200 per month premium to spend, I came up with this:
Plan #1: $118 per month premium, $5000/$10,000 deductible, $40 for first 2 office visits then deductible then 100% coverage, $15 generic drugs, wellcare is free for all ages, 40% copay on ER & Hospital.
Plan #2: $146 per month premium, $3300/$6600 deductible, otherwise same as plan 1.
Plan #3: $193 per month premium, $1000/$2000 deductible, otherwise same as plan 1.
Plan #4: $161 per month premium, $2500/$5000 deductible, free wellcare, $15 generic drugs, 50% copay for everything else (doctor visits, radiology, etc.).
Plan #5: $180 per month premium, $$1500/$3000 deductible, otherwise same as plan 4.
Plan #6: $177 per month premium, $5150 family deductible, free wellcare, 20% copay everything else including drugs.
Sharon
Moderator
Nothing I say shall be construed as legal advice; always check with your own financial or legal advisors for your specific situation.
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Association News
Medical Billing & Coding Education from the MAB
Continuing Education
Management Advice and Training
Questions Asked More Than Once
Help Wanted - Billing and Coding
Non Billing Talk
The Venting Area (Clean posts please)
Medical Coding and Billing News
Fraud and Abuse
Health Insurance - Provider Contracting
ERISA
Tricare
Workers' Compensation
General Medical Billing Questions
Appeals
Accounts Receivables (A/R)
Refunds
Auto Accident Issues
Medisoft Technical Support
Medical Software Technical Support Questions Other than Medisoft. No Investigation Questions!
General Medical Coding Forum
CPT Coding Questions
HCPCS Coding Questions
ICD-9-CM Coding Questions
Evaluation & Management Coding Questions
Acupuncture Billing and Coding
Ambulance Coding and Billing
Cardiology Coding and Billing
Chiropractic Coding and Billing
Dental Billing and Coding
DME Coding and Billing
Emergency Department Coding and Billing
Family Practice Coding and Billing
Hospital Inpatient and Outpatient Coding
Hospital Billing, Appeals and Collections
Internal Medicine Coding and Billing
Laboratory Coding and Billing
Ophthalmology Coding and Billing
OB-GYN Coding and Billing
Pain Management Coding and Billing
Pediatric Coding and Billing
Podiatry Coding and Billing
Physical Therapy Coding and Billing
Psychiatry Coding and Billing
Radiology Coding and Billing
Surgery Coding and Billing
Neurology Coding and Billing
Urgent Care Coding and Billing
Provider Compliance
Billing Center Compliance
HIPAA
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Bypassing Patient Protection laws
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