rexlion wrote:
GMandJM wrote:
Looks like BCBS-TX wants to move all the individual plan subscribers to HMOs or offload them into the Affordable Care/Obamacare pool. Good grief.
Bad news for independent contractors. I hope that doesn't turn into a national trend.
The last bit says it will still cover anyone whose plan predates 2010.
Thanks for the info.
I have a BCBS PPO through the ACA marketplace here in OK, so I doubt there's any "offloading" going on in TX. Their PPO plans are offered both inside and outside of Obamacare, so that can't be the factor. I think the company simply guessed wrong on their plan pricing.
Not sure if we're even comparing the the same thing. You have exactly what BCBS is taking away from people in Texas.
The linked article said BCBS TX will no longer be offering non-employer-based (private) PPO plans. This is disappointing because BCBS is one of the top insurers for independent contractors, who pay for their insurance totally out of pocket.
For Texas-based independent contractors and private-pay individuals, the only plans BCBS will offer are HMOs and those are only going to be offered via the ACA website. Anybody who doesn't want an HMO (and many people won't because they are so limited), are essentially being "offloaded" into the ACA marketplace.
You're right: BCBS TX miscalculated. Unfortunately, instead of sucking it up and doing it better/right in future, they're eliminating a much-needed insurance option. As said before, I hope this isn't going to be a national trend.
And although I recall someone somewhere promising that we'd all be ensured the same coverage we had prior to ACA, that wasn't my point.
No need for anyone to get their knickers in a knot and start with the flames, vitriol and a plethoa of CAPS.
Some people think ACA is the best thing since indoor plumbing....other people not so much. We get that.
