Steve,

It looking at the plans and of course the current plan i am on the Gold 80 [PPO]

***Please when stating facts, send a screen shot and be accurate. PPO, HMO, EPO are all different

OK, you have a point, however your email did not include the screen shots I sent you.  The screen shot is below as it doesn’t have any of your PHI – Personal Health Info.

is the best coverage.

***I thought platinum was?

But the issue is the price.

In looking at the rates and coverage, do you agree that the BS 1850 PPO is the best option and coverage for the price.

***It’s something we have to discuss.  It’s all 80% loss ratio.  How are you defining best?  Please send a screen shot of the rates.  Our quote engine won’t have the accurate approved rates till 11.1.2016.  IMHO everything now is just SWAG (Scientific Wild Assumptions and Guesses).

Where are you getting the rates?

We get to keep all of the same doctors just have a deductible and office visits etc are more…Agree/disagree?

***Right.  On a major claim, the out of pocket maximum is virtually the exact same at just about $6,800.  How much of this premium are you writing off in your business either as Section 106 or self employed line 29?  Whereas, the difference in out of pocket is not deductible, unless you go over 10% of income?

The Bronze with HSA – Health Savings Account doesn’t really look that attractive, what’s your tax situation?

benefit gold-80-ppo 1850-ppo-1
   Click here to view full brochure
rate-chart

Click here to view full rate chart for CA

rates-from-renewal

Rates from Early Renewal information from Blue Shield

 

I will look into Covered CA

***What is your estimated MAGI income for 2017?  I strongly suggest you wait till 11.1.2017 to shop around and get the subsidy calculations from our quote engine.

but i have heard only nightmares..Do not know if those rumors are true?

***Everything I know about Covered CA is on my website.  Use the search feature above.  What rumors are you talking about?  Unfortunately, Covered CA and Health Care Reform virtually control the entire Health Insurance Industry.  Thus, many of the negatives affect everything.  I do not deal in rumors, only verifiable facts.

Thank you

 

Joe

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