I have narrowed my choices of plans down to 3 potential ones (out of 12 choices available) for North Carolina. These plans are administered by Blue Cross Blue Shield of NC - a giant.
I log in to my account. I see there is a message for me. How do I read it?
Oh well.
Moving on. I'm comparing 3 plans using the "compare" function on the healthcare.gov site. Here's what I'm looking at. But first - here's the general info from the site: The higher the premium, the better the coverage. With that in mind... Take a look: (Don't worry about the premium...it's before tax credit)
Tell me why that in the 3rd plan - the highest premium also has the highest out of pocket amount and a higher deductible than the 2nd, less expensive plan?
I called Health Care Market place 800-318-2596. After a 10 minute wait I got a person and started explaining my questions. Three minutes into my talking...boom...I heard music and then was asked to take a survey...How we'd do? Hummmmm... Not so good.
I called back and this time got a lady from Florida. She could not explain it and advise me to call Blue Cross.
I tried Blue Cross's 800 number but goes to a voice response unit and you have no options to get through to a person unless you have an account already or know someone's name. Finally I called a local agent of Blue Cross... and they too could not explain it... he said it was typical though.
Bottom line.... don't compare. Just pick something. Nothing is logical.
I think I'm going for Plan 2.
Let's see... I score the process about a D- so far.
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