Quote:
Originally Posted by Rupert Pupkin
That is correct. Anthem no longer offers the plan I had before. It didn't meet the ACA standards. I think I'm getting a terrible deal. I have a high deductible and Anthem never pays for anything. I don't think they've paid a single penny for any doctor's visits I've made for the last couple of years. I'm spending $4,500 a year for nothing. A couple of times I had some minor running injuries and I needed an MRI. I paid cash. It was much cheaper that way. The only way the insurance will help me is if I get some type of catastrophic illness. I guess the insurance also saves me some money on medication but I'm not on any medication. If I go for a yearly physical it will only save me money if I go with one of their doctors. They don't cover my doctor any more.
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Back in the 1990s and early aughts, I had to switch doctors many times because of having to change insurance plans due to doctors not taking my insurance, and, factoring in inflation, I was paying more for my premiums then than you are. That is not a flaw of the ACA; it's a flaw of the health care being too expensive. I also had to frequently pay cash, like to my lady parts doctor, who I started seeing when I was completely uninsured and had to pay for everything out of pocket. I assure you, the problems you are facing predate the ACA.
So Anthem doesn't offer PPOs anymore? None at all? Or is it that they've raised the cost on the PPO you used to have and you just don't want to pay for it?