This is a great question, and one I'm sure many, many people are facing. And questions abound, especially with the health care reform bill just around the corner.
I guess it seems like the insurance "enrollment specialist" could help if she or he could actually look at your spending records over the past few years and tell you that (a) the difference in a 70% copay and an 80% copay would have meant $xxxx dollars in past years, so you'll get an idea of whether the reduced premiums and deductibles would make sense for you.
If she or he can't look at your past records (and actually I can't imagine how they could, with the medical privacy limitations), then I can't see how it would be much help. But it couldn't hurt to listen to what they have to say.
With a baby on the way, that difference between 70% and 80% is big for you, I'm sure. Don't you wonder why things have to be so complicated? I hope health care reform does indeed make some things simpler.
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Alison,
This is a great question, and one I'm sure many, many people are facing. And questions abound, especially with the health care reform bill just around the corner.
I guess it seems like the insurance "enrollment specialist" could help if she or he could actually look at your spending records over the past few years and tell you that (a) the difference in a 70% copay and an 80% copay would have meant $xxxx dollars in past years, so you'll get an idea of whether the reduced premiums and deductibles would make sense for you.
If she or he can't look at your past records (and actually I can't imagine how they could, with the medical privacy limitations), then I can't see how it would be much help. But it couldn't hurt to listen to what they have to say.
With a baby on the way, that difference between 70% and 80% is big for you, I'm sure. Don't you wonder why things have to be so complicated? I hope health care reform does indeed make some things simpler.
Anyone else dealing with this?
December 29, 2009 - 9:52amThis Comment
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