2 ms·
But that means nothing if you can't find a doctor -- these plans have paltry networks. They are better than nothing if you qualify for a subsidy, but if you do
by dml2135 1y ago
But that means nothing if you can't find a doctor -- these plans have paltry networks.
They are better than nothing if you qualify for a subsidy, but if you don't and you live in a HCOL area (which the subsidies are not adjusted for) you are pretty much screwed.
- lotsofpulp 1y agoThey sell the same networks in my experience (west and northeast coast). The MCOs are not carving out different networks for specific employers. You buy a bronze PPO from United Health directly, or your employer does, it’s going to be all the same providers. If you get gold, then the deductibles/copay will be less. The networks used to be different when HMOs were in vogue, but if your employer is only giving you an HMO option, you need to find a different employer. PPOs are the only sensible option (except maybe Kaiser on the west coast, but even they sell PPOs, just costs more to see a non Kaiser provider).
- dml2135 1y agoThis was not my experience on the NY exchange but that was several years ago at this point. So I guess it's possible that things improved.