My husband and I have had the same Anthem Blue cross PPO since 2003. We purchased this plan while we were in our mid 20's and have hardly used it until the last year or so. Our premium is only $290 a month for the both of us and our deductible is something like $4000. A max family out of pocket of $7500.
In the last year, I needed to get a diagnostic mammogram and ultrasound for a suspicious mass in my breast. I also went to see a specialist. My insurance denied paying my mammogram and the specialist. No big deal, as I ended up just having a benign cyst... but this made me wonder. What if there were something really seriously wrong with me? Would the insurance deny my claim? Why am I even paying $290 a month if they deny my claims?
I know the grandfathered plans don't offer the same consumer protection as the new plans.
If let's say, my spouse or I were diagnosed with cancer tomorrow, would be better off with a new plan?
In the last year, I needed to get a diagnostic mammogram and ultrasound for a suspicious mass in my breast. I also went to see a specialist. My insurance denied paying my mammogram and the specialist. No big deal, as I ended up just having a benign cyst... but this made me wonder. What if there were something really seriously wrong with me? Would the insurance deny my claim? Why am I even paying $290 a month if they deny my claims?
I know the grandfathered plans don't offer the same consumer protection as the new plans.
If let's say, my spouse or I were diagnosed with cancer tomorrow, would be better off with a new plan?