it certainly should please the insurance companies that deductibles/out of pocket costs get reset part way through a calendar year.
I can't speak to plans in Cali, but if you have a MA plan, the network is national. My parents have an Ohio MA and use it with in-network privileges with doctors in Florida every winter. There is no "small radius of included doctors" in any UHC plan I have heard of. But, California has their own BS rules on a variety of things, so maybe you should consider moving to a more consumer friendly state if they artificially limit carrier networks.
One (small, Medicare only) company has an Advantage plan that includes my primary care physician. So this looks like an insurance company choice rather than something imposed by the state.
The decision to join a carrier network is almost always the providers choice, not the carrier, especially in metro areas. There are exceptions, but usually it’s the provider that will not agree to the terms of the carrier network. There are also providers that are not interested in taking new clients and don’t need to add additional carriers. But again, in Ohio, if you are a UHC network provider, there is no “small radius”.
It's possible. Playing around on the UHC website, using my own zip code my doctor doesn't appear on the list at all, using a closer zip code, she appears but "is not accepting new patients", and in a zip code that's in the county where her office is, she is both listed and accepting new patients. On the plus side, there are 5 times as many Advantage plans in SF than the county where my doctor's office is!
Advantage plans need to have docs in network available so rural counties have fewer choices. If there are no network docs in your county CMS won’t allow carriers to sell HMO’s in that county.
That county - Contra Costa - is less densely populated than SF itself, but it has a population of over 1m and is "primarily suburban". So definitely not a rural county. https://en.wikipedia.org/wiki/Contra_Costa_County,_California
Back door medicare for all? Biden is now committed to a COVID-19 response that includes "a platinum-level, federally administered health insurance option with low fees and no deductibles, so that everyone will have access to this high-quality, low-cost plan" -- that is, an immediate robust public option! 2/— Jacob Hacker (@Jacob_S_Hacker) July 22, 2020 Not only will this plan be offered on the ACA marketplaces; it will also be available without premiums for those who would've had Medicaid if their states had expanded the program (roughly 5 million Americans caught in the "coverage gap" in GOP-controlled states). 6/— Jacob Hacker (@Jacob_S_Hacker) July 22, 2020 Sorry for the tweets but the document was too dense to get the important points.
That seems lowish for now. Since most Americans get their insurance from employers, and we're at 8.4% unemployment. I can't imagine that everyone who is employed has insurance! https://www.urban.org/sites/default...th-insurance-and-the-covid-19-recession_1.pdf
Expanded Medicaid is salary dependent. If their salary dropped to 0 + Unemployment, they'd be below the salary limits...
Not with the extra $600 a week they were getting from the federal government until the end of July. Presumably we're now seeing more Medicaid enrollment post that.
Excellent point. They would, however, get a huge stipend from the government to get insurance off the exchange.
Depends on what their income was until the point of losing their job and thus what their income for the year likely ends up being. Additionally, I suspect many would pass knowing that their yearly deductible would restart. Many will presumably end up having three deductibles in the year - former employer, ACA, and (if they are lucky) new employer. It's a nonsense and highlights once again the foolishness of tying heath care access to employment.
It is salary dependent if you have no other assets to speak of. In addition to the monthly income there is a "total assets" number that is taken into consideration.
Which states is that? Here in WA it is entirely income based. https://www.hca.wa.gov/health-care-...le-health-medicaid-coverage/individual-adults There isn’t even any mention of assets on the application. Just SSN, monthly income, household size, and immigration status..
Ohio is the only one I have experience with. The total resources is assets. For instance, if you need to be in a LTC facility, Medicaid will sell off your assets until they reach the minimum. If you have a house, they will allow the spouse to live there indefinitely but will own the property when no longer inhabited.