Today I thought I'd try to check out other plans on #WaHealthplanfinder.com because I talked to my current health insurance company and found the new plan I'll have to go on to be unsatisfactory. They told me I might want to check out the government website to see if something else might work better for us. The pictures above are screen shots of what I got when i tried to log into their website.
I called my insurance plan and asked for comparisons between the new government mandated plan and the old plan I had. I had and HSA Catastrophic 4000 plan with Group Health at $691 per month and will be required to buy the ACA Bronze plan at $802.58 per month. My family deductible under the new plan has doubled from $4000 to $8000. My out of pocket limit has gone up from 12,100 to 12,700. We have 5 children.
For the additional $111.58 per month, and $4000 per year in deductible and $600 in out of pocket expenses, here's what I get.
1) Maternity care. No more babies here. Sorry.
2) Prescription drug coverage...yay! Wait, no, only after you pay the $8000 deductible
3) Annual Pediatric dental exams.--this is actually nice. We pay for a separate plan through Washington Dental Service, which means we can bill this plan for the annual exams and "save" a little bit....if they cover our dentist.
4) Annual Pediatric vision exams and one pair of glasses....this is very awesome because I have one kid who wears glasses. Not sure if it covers contacts. We can transfer that cost over to what we pay for this plan.