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Anthem Gold Pathway X 125010 Plan Review
>> YOUR LINK HERE: ___ http://youtube.com/watch?v=MkSM966bDPc
Next Step: http://hubs.ly/H01ndv70 • So you've been researching health insurance plans in Ohio for what feels like three and half life times, even though it’s probably only been a couple weeks. • Your search has led you to this plan from Anthem Blue Cross Blue Shield's Pathway X PPO 1250/10 plan and you want to know as much as you can about it before you put it in charge of covering you and/or your family. • Network Name • Anthem has taken one of the more daunting aspects of health insurance and made it worse. • They made some of the craziest, possibly questionable, changes to their networks of any insurance company out there. • The Pathway X portion of the plan name indicates the name of the network you are getting with the plan, regardless if you know that or not. • Once you have the cipher to crack the code for Anthem’s naming structure, you can actually glean a lot of information just from the name. • The X in Pathway X is short for Exchange or Health Insurance Exchange. That means this plan is • I promise I’ll stop beating the dead horse that is name of this plan soon, but exchange is not even what they are called anymore as it has been renamed the Health Insurance Marketplace and even more confusing you have to go to healthcare.gov to buy from the Health Insurance Marketplace. • That last part isn’t Anthem’s fault, that’s the federal government's misstep, but it felt appropriate to keep terrible name train going and mention that here. • The sad part is everything I’ve just said isn’t how Anthem made the network experience even more daunting. • It’s the two words tired hospital after Pathway X that will make your head want to explode. • Anthem has included this • Just know that you will want to do everything you can to make sure you are going to a tier 1 hospital. • Plan Includes Non-Network Coverage? Yes • If you happen to find yourself at a hospital that isn’t in the tier 1 or 2 portions of Anthem’s network you will still be covered, you just will be required to a pay a lot more for that treatment. • Deductible (Network/Non-Network) • For a single person you will be on the hook for $1,250 in-network and $5,000 out-of-network. • For a family (two or more people) you will pay $2,500 or $10,000. • These numbers are simply the dollar amount you have to cover first before the co-insurance kicks in. We’ll talk about what co-insurance is in a little bit. • Out-Of-Pocket Limit (Network/Non-Network) • This is the most important number you want to pay attention to on any policy you look at. • The most you will pay of any covered in-network service during the calendar year is $3,100 for a single person. For a family it’s $6,200. If you are out-of-network it will go all the way up to $10,000 and $20,000. • Co-Insurance (Network/Non-Network) • Once you’ve paid your deductible, Anthem is going to split the bills with you 90/10. That means they will 90 percent of the bill and you will be left with only 10 percent in-network. • Non-network treatment will be a 60/40 split. • For example, if you have a $3,000 CT scan you will pay the first $1,250 which takes care of your deductible and then you will split the remaining $1,750 with Anthem at 90/10. In this case you would pay $175 and Anthem would pay $1,575. Not a bad deal.
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