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CONFUSED Insurance?

As an R.N. and health insurance consumer, I want the community to know that there is a lot of confusion about new health care options. PLEASE read and compare your old policy to new choices. I found my options MUCH better with the new OBAMA care plans.  I traded in my old "grandfathered" plan at Blue Shield for a newer plan that would cover more for very few more dollars.  Until you read, ask questions and compare, you may choose a plan that covers LESS!  

Ar November 23, 2013 at 11:32 PM
How did you sign-up?
Marsha Podd November 24, 2013 at 01:04 AM
I just called my current insurance company, Blue Shield. I went to the Covered California website and looked at my options. There were choices for HMO, and 3 tiers for PPO plans. Depending on if you want NO COPAY, or a larger deductible, you choose what you want to pay. When I asked questions about certain services being covered like a colonoscopy and an MRI, I was told that on my new plan I would pay NOTHING. On my old plan I have now I would pay 40%. I asked if there were any advantages to staying with the old plan and they told me NO. I asked my questions, got direct answers. They were really helpful!
HistoryLover November 25, 2013 at 11:37 AM
When I went to the website, it was hard to use, and seemed like it was only for the uninsured to get 'free' insurance. My under-fifty peers have compared all the ACA options (3) and it is WAY more expensive than what they currently pay. Glad it is beneficial for you. (You say "when I asked questions..." was that via the website, a navigator, or your Blue Shield rep?)
Marsha Podd November 25, 2013 at 12:22 PM
Ok, I am in the over 50 category and already pay almost $700 a month for my insurance. But, currently have to pay 40% copay. Under the new plan my copay is less, and the coverage more. I don't know about the under 50 category. But, call Blue Shield, or your current provider and talk to them directly. That is what I did. I enrolled with their help, not on the website.

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