Due to the Affordable Care Act, this inexpensive health plan will no longer be offered in Hawaii

[CreekDog]

This policy only costs $162/month for a 55 year old female and $93/month for a 28 year old female.

This policy only costs $166/month for a 55 year old male and $63/month for a 28 year old male.

Wow!

Under ACA, plans must charge men and women the same rates also.



Some highlights of the Kaiser Basic plan:

Outpatient Services
Office visit:
Not covered
Lab, imaging, and testing:
Not covered
Outpatient surgery or procedure (in doctor's office):
Not covered
Outpatient surgery or procedure (in hospital-based setting or ambulatory surgery center):
$500 copay

Inpatient Hospital Care
Inpatient care:
$500 copay per day

Maternity
Delivery and postpartum care:
Not covered

Emergency Care
Emergency Department:
$250 copay
Ambulance service
20% coinsurance

Prescription Drugs
Generic drugs (maintenance/other) (up to a 30-days supply) :
Not covered
Brand drugs (up to a 30-days supply):
Not covered

Other
Transplants and related services:
Not covered

details at:

https://kaiser.healthinsurance-asp.com/expressweb/plan/ViewPlanDetails.action?productPlanKey=PSUI32973

[bravenak]

1. Is that a real plan?

Does it cover anything?
This was a set of rhetorical questions.

Policies like this should not have existed in the first place. This just shows how much the ACA was needed.

[geek tragedy]

2. Junk insurance is being banned, so people will have to pay for real insurance nt

[CreekDog]

7. I'm not even sure what people are paying for here

hospitalization coverage that costs $500/day?

[Pretzel_Warrior]

3. That policy is like mailing a monthly contribution to Kaiser.

Horrible that these types of policies have been allowed to exist. And this is the reason insurance companies have been jacking up prices--to make up for cash cow highly profitable policies like these.

[CreekDog]

4. or playing the lottery

Women are really victimized by this plan. Young women don't even have labor and delivery coverage, yet they pay 50% more than men their age for the coverage they do have.

[Hoyt]

5. Pretty much worthless. You have to be almost dead to get pre-approved for inpatient hospital care.

[CreekDog]

6. pretty much