Southwest Health Insurance
#21
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.
Your government helping you to help yourself......or something like that.
#23
#24
Gets Weekends Off
Joined APC: Aug 2013
Position: 737 FO
Posts: 239
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...
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...
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.
#25
Line Holder
Joined APC: Jul 2014
Posts: 57
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.
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.
#27
Gets Weekends Off
Joined APC: Aug 2013
Position: 737 FO
Posts: 239
Yes to everything you said. The Regular Plan is $0 per month for family coverage, sick visits are covered, and preventative care is excluded.
#29
Line Holder
Joined APC: Oct 2015
Posts: 42
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.
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.
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
#30
Gets Weekends Off
Joined APC: Aug 2013
Position: 737 FO
Posts: 239
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
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
I'll do my best to answer your questions.
The Regular Plan does not have a copay, your co-insurance is 20% after you have satisfied your deductible of $200 individual or $300 family. For either of your examples above, those numbers would apply with an out of pocket maximum for your family of $2500.
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