Originally Posted by Laramie (Post 1970828)

Whatever you do---DO NOT allow your health insurance to lapse. Ever since Al Gore's HIPAA law, insurance companies gain quite a windfall from breaks in health insurance, especially on pre-existing conditions.

Your government helping you to help yourself......or something like that.

Originally Posted by ZapBrannigan (Post 1979813)

You can always sign up for Cobra retroactively if something happened.

Originally Posted by Bennies (Post 1979769)

A few questions for everyone...... I start next month and I'm trying to get a bit of info.

My situation is I'm married with three kids. I'm leading towards the regular plan discussed previously. Is this plan a PPO or an indemnity plan?

I was also under the impression that with Obama care now all wellness checks must be covered at 100%. Is there some special circumstance that does not apply with this plan? I am also asuming no co pays for sick visits or ER visits would that be correct? Over all sounds like a good plan... Right now I'm on a 90/10 plan but paying 400$ a month. Thanks for the info...

Originally Posted by OB Pilot (Post 1980208)

I'm married with 2 kids and we use the Regular Plan and have been very happy with it. It is a PPO plan with a $0 monthly premium and very low individual and family deductibles and out of pocket maximums.
The Regular Plan is considered a 'grandfathered plan' as far as the Affordable Care Act is concerned so all of the new provisions are not required, such as preventable care and wellness checks which are not covered. There are no co-pays for any covered services. All sick visits and ER visits are indeed covered.

Originally Posted by Blue2015 (Post 1982941)

Is the regular plan $0 for the whole family? Does it cover sick visits? Are the only exclusions preventive check ups, well checks, vaccinations etc. Just trying to have an idea before we are presented with the info. Thanks.

Originally Posted by OB Pilot (Post 1983029)

Yes to everything you said. The Regular Plan is $0 per month for family coverage, sick visits are covered, and preventative care is excluded.

Originally Posted by OB Pilot (Post 1980208)

I'm married with 2 kids and we use the Regular Plan and have been very happy with it. It is a PPO plan with a $0 monthly premium and very low individual and family deductibles and out of pocket maximums.
The Regular Plan is considered a 'grandfathered plan' as far as the Affordable Care Act is concerned so all of the new provisions are not required, such as preventable care and wellness checks which are not covered. There are no co-pays for any covered services. All sick visits and ER visits are indeed covered.

Originally Posted by Spookywatcher (Post 2005940)

Sorry to revive a half dead necro thread, but MammaBear wants more info on the regular plan if you guys don't mind. I go to class in a month.



On the regular plan what would be the following costs?



Child gets sick, you take them to in network primary care phys? Above poster says no copays for sick visits??? So what do you pay? 80% of visit??

Copay = ? Deductible = ?



Child breaks arm playing on swing?

Copay = ? Deductible = ?



Generic prescriptions (I think I read covered 100%)?



Child has a bad year...how much out of pocket maximum?



Thanks much. We scoured over the brochure posted earlier but could not discern the info for the Regular Plan.



Spooky