Wow half the year is gone, not sure how, but we are half way thru.
Open enrollment starts on November 1. The rates are going up more than usual, and like you I’m not happy. Those on the federal exchange (healthcare.gov) will see larger subsidies to keep premiums near where they are now. Many of you who have not qualified for a subsidy thru healthcare.gov in the past, may now qualify but the software to quote will not be available until November 1. (Typical of the federal government)
I want you guys to start thinking: Are all my doctors Providence? Are my doctors at Portland Adventist? Or at a Legacy based hospital? Or even at OHSU? Tuality Hospital? One way to save significant amounts in premium is to go onto an EPO type of plan. You must go to the doctors in network, you can’t go out of network unless you are traveling. Your plan benefits will be same as a broader network of doctors, you would just have less doctors to choose from. And on some plans, you will need a referral to see specialists, other plans you will not. If your doctors are all in a EPO network now, it might be a great option.
HMO- Kaiser type plan – must stay in network must use referrals to see specialists-no coverage except for emergencies out of network.
EPO- Closed network of doctors – some may require referrals to see specialists-no coverage except for emergencies out of network.
PPO- Can go in and out of network no referrals needed/higher co-pays out of network.