General Discussion
In reply to the discussion: Rolling Stone: republican bill could ruin your life. [View all]Alice11111
(5,730 posts)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.