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ghostlypyres t1_j4rzsfu wrote

Reply to comment by Firm_Love3598 in Help Finding Health Insurance Coverage by ananas33333

You have an HMO through them? When I called this morning, the lady on the line insisted they only do EPOs... Good news, then;

But also that monthly premium is more than my rent will be :')

Yeah, the health connector has just... Not been helpful. Not the site and not the call center operators. That's why we asked here. Thanks for your response!

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Firm_Love3598 t1_j4s1sce wrote

There are certainly lower premiums available for HMO plans. We choose the platinum tier to avoid additional costs associated with healthcare. Our max out-of-pocket is $3,000, no deductibles, very low co-payment and prescription coverage is unmatched.

I have diabetes and a recent kidney transplant. I didn’t even reach my max out of pocket last year.

I imagine gold, silver, and bronze plans will be substantially less per month but if you have a medical emergency your annualized cost could be significantly higher than paying up front.

Most people here get their insurance through their employer. I’m self-employed and she doesn’t work so this is our best option.

Good luck.

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ghostlypyres t1_j4s38xa wrote

That is a really nice plan, from the sounds of it!

Thank you, gonna need it 🙏

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KatinkaVonHamhof t1_j4t508e wrote

An EPO is very similar to an HMO. Same sorts of network restrictions, but you typically don't need a referral, and a PCP is often not required.

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