I first tried signing up back in October before my trip.
It was a bust. Lots of problems and could never get past registration.
I tried again and got to the application , but then nothing.
Well I tried yesterday and ummm GULP
I had private insurance a couple of years ago through MVP via my REALTOR Association.
In 2011 it went up 33% and 2012 went up another 12.8%
I cancelled it around the beginning of 2013 when it reached $426.10 month.
My plan was a MVP EPO Preferred
I paid $40 Co Pay for office visits
I paid $60 Co Pay for Specialists
I paid the first 20% of any medical bills up to $8,000 out of pocket in a given year.
So now I look at our NEW coverage.
The cheapest plan will cost me $336 mo with no credits and for that I get to pay 100% of all costs up $3,500 and then it begins to cover 80% of the allowed billable amount. I am responsible for 100% of anything over the allowed billable amount.
In other words, if I have a procedure done and they only allow $5,000 for it, but I'm charged $8,000 I get to pay 20% of the 5k and 100% of the $3k Of course this is assuming I have already used up the $3,500
So here is my issue. I've never paid more than $5,000 in medical bills when I didn't have insurance. I always negotiated my rates with the doctors and hospitals and in the 20 something years I went without insurance, I never exceeded that $5,000 figure.
My first year I was insured with MVP I paid $3,000 on top of the $300 per month bill.
No it looks like this will be worse.
I get to pay $336 a month for the privilege of getting to pay 100% of my annual health care costs.
Yep, I'm taking it right up here...
This is what we get for allowing the Health Insurance Industry to bastardize a good plan.
It will continue to be crap until we get them out of it like the rest of the world does.
https://portal.healthconnect.vermont.go ... Bronze.pdf