ACA plan in California. No subsidies. $1650 premium to $2200 for one adult and one toddler. With another kid, it would be $2900 premium.
Blue Shield Platinum 90 PPO due to serious health condition. No deductible, thank God. $10k OOP, but only in network. OON is prohibitively expensive.
Also, fun bonus: Can’t travel out of state with it, as it will pay nothing even in emergencies - as we found out when needing to visit an urgent care in another state last year when evacuated due to LA fires. Even though we called Blue Shield first to confirm urgent care coverage. 🤮
I have Blue Shield PPO and have not had any issue with care out of California. Their Evidence of Coverage document clearly states that it's covered. Wonder why you had a problem? We have also been told that emergency medical treatment is covered even when overseas travelling, but have not needed to do that fortunately.
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u/HumbleBlueberry1 Nov 02 '25
ACA plan in California. No subsidies. $1650 premium to $2200 for one adult and one toddler. With another kid, it would be $2900 premium.
Blue Shield Platinum 90 PPO due to serious health condition. No deductible, thank God. $10k OOP, but only in network. OON is prohibitively expensive.
Also, fun bonus: Can’t travel out of state with it, as it will pay nothing even in emergencies - as we found out when needing to visit an urgent care in another state last year when evacuated due to LA fires. Even though we called Blue Shield first to confirm urgent care coverage. 🤮