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Alice11111

(5,730 posts)
21. Obamacare Depends on the policy that you chose.Out of state
Thu Jun 22, 2017, 04:54 PM
Jun 2017

WAS covered for me w my BCBS.I talked to BCBS to make sure as I was out of state a lot. I Know several other people who did the same, one an RVer who travels all of the time, and he is rarely in state.
It even covered some out of country...people told me they used it without problem in Latin America. Again, it depends on the plan, just like in the private sector. There were hundreds of plans to chose from. You pick what you want or can pay for, based on the type of projected usage.

My plan only covered 1 out of the country ER visit per year, but I could go 'anywhere' inside the US as long as the provider was on the BC provider list, and major providers are. I had a 500$ deductible for medical and 500 for drugs. 500 for hospital. I think 250 for ER. Plus, I had copays. The big thing was I had to pay the 20pc. for all medical. I used it out of state in AZ, Alaska, Mayo in Rochester, Minn., Nebraska, & Kansas w no questions asked. It worked just like home.
I signed up on day 1, and my premiums dropped 75pc.

You could get policies that covered 90pc or 100pc, Cadillac policies, but I couldn't afford those. You could also get the catastrophic policies that were cheap, but there were large deductables (the ones the Repubs keep pretending WAS Obamacare) but you have always been able to do that in the private sector & they always had huge Deductibles. Obama didn't create that-he just allowed people to continue to choose it if they wanted...those are for young, healthy people, who are only insuring against a catastrphe. No one over 40 should ever chose those. Those would not work for me because I usually have high bills. So, I sat down w Blue Cross, they offered exactly the same plans to Obamacare as were offered through the private sectors, though slightly better, free preventative care...Silver, Bronze, Platium and Gold.

It was the best insurance I have ever had.

Far too many Americans have been conditioned to celebrate their own abuse. Solly Mack Jun 2017 #1
Yep. world wide wally Jun 2017 #7
The hate us so much, they will "cheer their own demise," Alice11111 Jun 2017 #9
Yes Solly Mack Jun 2017 #11
Maybe this will be what wakes America up? Dopers_Greed Jun 2017 #2
Which they then call a mandate. gtar100 Jun 2017 #3
+1 on all your points. . . . nt Bernardo de La Paz Jun 2017 #4
Without the subsidy, I'm out of the healthcare system, anyway. Honeycombe8 Jun 2017 #5
Well, the Mayo Clinic took my Obamacare. I had Alice11111 Jun 2017 #12
HMO - you can only go to a PCP, who can refer you to a specialist or hosp. Honeycombe8 Jun 2017 #15
I had to travel across country to Minnesota. I had an Alice11111 Jun 2017 #16
Obamacare individual policies are geographically based & priced & have networks. Honeycombe8 Jun 2017 #17
Obamacare Depends on the policy that you chose.Out of state Alice11111 Jun 2017 #21
Oh, I see. Out of my price league. Basic HMO w/hi deduct was $800/mo for me.... Honeycombe8 Jun 2017 #22
I'm sorry about your situation. Also, I agree w your last parag Alice11111 Jun 2017 #23
Your plan directory El Mimbreno Jun 2017 #18
It was wrong. I used it and found none of those drs accepted my plan. Honeycombe8 Jun 2017 #19
I had a similar experience w my Supp plan. The state gave Alice11111 Jun 2017 #24
+1. Thank you! Some have suggested I was lying. I think they don't do a list for a plan... Honeycombe8 Jun 2017 #26
I did not know about the code that said I had a subsidy. Alice11111 Jun 2017 #27
You probably don't have a code in your state. Texas did that. Guess drs. wanted that. Honeycombe8 Jun 2017 #28
I paid BCBS twice on one month, when they switched Alice11111 Jun 2017 #30
It's called genocide. roamer65 Jun 2017 #6
The net worth of someone in the top .1% can easily fluctuate well over $200,000 with the daily lutherj Jun 2017 #8
According to Al Franken, the tax break will be $7 million Alice11111 Jun 2017 #13
People will support Dear Leader and his hideous bill until it affects them personally. Vinca Jun 2017 #10
They do seem to see the light only when one of their own Alice11111 Jun 2017 #14
They will still find a way to blame the evil liberals. Even then. Coventina Jun 2017 #20
The evil Mitch McConnell, who will doom millions to a lack of health care and even death, smirkymonkey Jun 2017 #25
OMG. I didn't know it was possible for him to be worse. Alice11111 Jun 2017 #29
That is what is so disgusting about this! smirkymonkey Jun 2017 #31
When they have the best retirement &insurance benefits Alice11111 Jun 2017 #32
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