Health insurance
Anyone know who offers the best high deductible health insurance plan? ACA coverage has gotten to expensive and I have a few years before medicare kicks in. In my case bronze coverage is $8700. Wit...
Forum Discussion
Read with great care, exactly what a health sharing co-op is. It is not an insurance plan, it is not subject, to the laws of your state. basically they do whatever they want.
Read about preexisting conditions exclusion, read about limited drug coverage. Read about their ability to deny coverage, for any reason, they deem fit. Read about how disputes are resolved. Through their in house arbitration, no third party
WTP, if someone did not read closely what you said, one might get the impression, that somehow the cost sharing plan helped you negotiate the cost down. I am sure you would agree, reason you got the cost down, was cash at time of service.
yes the provider may have billed 10K, of which they may have hoped to get 2500, so 2K cash for them is a great deal.
It is not about a few K medical bills, it is about medical bills that run into the hundreds of thousands. And put you in the poor house
Risk assessment, versus reward. Save a few bucks a month lose the house. Not me, not my call, not for me to judge.
I am not saying it is a bad deal, all I am saying is understand what it is, and if you choose to go forward, good for you.
Lastly Wtp, you state these programs, have insurance, to cover folks if the program goes bankrupt. I can find no evidence of that. Would you be so kind as to supply the name of any one company that reinsures programs, like this?
Read about preexisting conditions exclusion, read about limited drug coverage. Read about their ability to deny coverage, for any reason, they deem fit. Read about how disputes are resolved. Through their in house arbitration, no third party
WTP, if someone did not read closely what you said, one might get the impression, that somehow the cost sharing plan helped you negotiate the cost down. I am sure you would agree, reason you got the cost down, was cash at time of service.
yes the provider may have billed 10K, of which they may have hoped to get 2500, so 2K cash for them is a great deal.
It is not about a few K medical bills, it is about medical bills that run into the hundreds of thousands. And put you in the poor house
Risk assessment, versus reward. Save a few bucks a month lose the house. Not me, not my call, not for me to judge.
I am not saying it is a bad deal, all I am saying is understand what it is, and if you choose to go forward, good for you.
Lastly Wtp, you state these programs, have insurance, to cover folks if the program goes bankrupt. I can find no evidence of that. Would you be so kind as to supply the name of any one company that reinsures programs, like this?
