Central Texas Health Insurance options for 2020 - what are you all doing?

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clast
Posts: 113
Joined: Thu Oct 04, 2012 12:50 am

Central Texas Health Insurance options for 2020 - what are you all doing?

Post by clast » Sun Nov 10, 2019 11:33 pm

I live in Austin. I have Oscar insurance (a bronze plan) and they informed me they are eliminating their HSA plans for 2020. What are y'all doing for 2020, especially those who want an HSA option? I don't qualify for any subsidy.

mx711yam
Posts: 160
Joined: Thu Apr 11, 2013 9:51 am

Re: Central Texas Health Insurance options for 2020 - what are you all doing?

Post by mx711yam » Sun Nov 10, 2019 11:39 pm

Same boat. Moving to sendero idealcare.

Topic Author
clast
Posts: 113
Joined: Thu Oct 04, 2012 12:50 am

Re: Central Texas Health Insurance options for 2020 - what are you all doing?

Post by clast » Sun Dec 01, 2019 7:15 pm

Two weeks left in open enrollment... anyone else find any good options?

GuayaquilEcu
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Joined: Thu Oct 18, 2018 9:02 am

Re: Central Texas Health Insurance options for 2020 - what are you all doing?

Post by GuayaquilEcu » Mon Dec 02, 2019 3:39 pm

San Antonio ( MFJ mid 30s ) was bummed about Oscar plans not being HSA compatible.
only 1 HSA plan available through Ambetter but was $168 more/month so Sticking with Oscar plan. rough math did not add up getting HSA compliant plan. ( Planning to just invest the $7100 + $2500 in Brokerage account to compensate for Tax reduction). Not a big fan of Ambetter so just sticking with what we had for 2019.

Topic Author
clast
Posts: 113
Joined: Thu Oct 04, 2012 12:50 am

Re: Central Texas Health Insurance options for 2020 - what are you all doing?

Post by clast » Mon Dec 02, 2019 6:59 pm

GuayaquilEcu wrote:
Mon Dec 02, 2019 3:39 pm
... only 1 HSA plan available through Ambetter but was $168 more/month so Sticking with Oscar plan.
Which Oscar plan did you choose?

GuayaquilEcu
Posts: 9
Joined: Thu Oct 18, 2018 9:02 am

Re: Central Texas Health Insurance options for 2020 - what are you all doing?

Post by GuayaquilEcu » Mon Dec 02, 2019 9:06 pm

There were multiple Oscar plans but I picked the least expensive one Silver Bronze.

craiggsean
Posts: 148
Joined: Wed Nov 27, 2013 5:47 pm

Re: Central Texas Health Insurance options for 2020 - what are you all doing?

Post by craiggsean » Tue Dec 03, 2019 9:47 am

3 options I see have HSA.

Yelp and BBB reviews show Oscar and Sendero were hard to get reimbursed and HMO network is very narrow with lower quality providers.
[https://www.yelp.com/biz/sendero-health-plans-austin-3]
Ambetter seems to be a nightmare as well. [viewtopic.php?t=294131]
All representatives are almost impossible to get through. You know you need them to follow up on the frequent billing mistakes admins make.

What is deceiving is that even if the insurance companies' directory shows that certain doctors are in-network, when you call to verify the doctor, they deny it. Try it. Isn't this false claim or marketing?

What's worse is that some hospitals/doctors say they are in-network, but after learning that you carry an ACA plan, they say they don't accept new patients or are fully booked for the year.

What's the point of insurance when one can't get admitted or reimbursed?

Below are the 3 HSA plans available. Which would you choose?
Also looking into a healthshare (not liberty) with a dependable track record (no need to worry about "in-network")

1. Sendero Health Plans
SelectCare Bronze HSA Free 24/7 Doctor by Phone
Metal Level: BronzeBronzePlan type: HMO
Monthly premium
$1,227.90
Deductible
$13,800
Family Total
Out-of-pocket maximum
$13,800
Family Total

2. Sendero Health Plans
IdealCare HSA Free 24/7 Doctor by Phone
Metal Level: BronzeBronze Plan type: HMO
Monthly premium
$1,295.32
Deductible
$13,800
Family Total
Out-of-pocket maximum
$13,800
Family Total

3. Ambetter from Superior HealthPlan
Ambetter Essential Care 4 HSA (2020)
Metal Level: BronzeBronzePlan type: EPO
Monthly premium
$1,558.52
Deductible
$10,800
Family Total
Out-of-pocket maximum
$13,500
Family Total


GuayaquilEcu wrote:
Mon Dec 02, 2019 3:39 pm
San Antonio ( MFJ mid 30s ) was bummed about Oscar plans not being HSA compatible.
only 1 HSA plan available through Ambetter but was $168 more/month so Sticking with Oscar plan. rough math did not add up getting HSA compliant plan. ( Planning to just invest the $7100 + $2500 in Brokerage account to compensate for Tax reduction). Not a big fan of Ambetter so just sticking with what we had for 2019.

craiggsean
Posts: 148
Joined: Wed Nov 27, 2013 5:47 pm

Re: Central Texas Health Insurance options for 2020 - what are you all doing?

Post by craiggsean » Thu Dec 05, 2019 4:58 am

clast wrote:
Sun Nov 10, 2019 11:33 pm
I live in Austin. I have Oscar insurance (a bronze plan) and they informed me they are eliminating their HSA plans for 2020. What are y'all doing for 2020, especially those who want an HSA option? I don't qualify for any subsidy.
Did you make a decision and how was your experience dealing with Oscar representatives?

Topic Author
clast
Posts: 113
Joined: Thu Oct 04, 2012 12:50 am

Re: Central Texas Health Insurance options for 2020 - what are you all doing?

Post by clast » Thu Dec 05, 2019 9:27 am

craiggsean wrote:
Thu Dec 05, 2019 4:58 am
Did you make a decision and how was your experience dealing with Oscar representatives?
I haven't signed up yet but will probably go with the cheapest Oscar bronze plan, which covers 100% after deductible (the deductible is very high).

Which healthshare were you looking at? With the current trend of health insurance prices, it will be unaffordable within 10 years, and a healthshare might be the best option.

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