I just learned that my Maui Kaiser health plan does NOT offer care in Oregon. Just for 90 days. Since I will be living in Oregon at least six months a year, I had to go shopping for a plan that is mostly Oregon (annual and preventative stuff) yet also covers sickness or emergencies in Maui.
It was a learning experience. Every company offers at least THREE plans with at least three sub-plans under those.
Silver Be Prepared.
Silver Be Fit.
Silver Be Smart.
Silver Be Aligned.
Silver Rose City.
After spending hours online, and on the phone (really Kaiser? I can't get this plan in Oregon?), I had to resort to an insurance broker.
My monthly payment was high previously ($530) ... because I was on three medications and had been to counseling IN THE PAST FIVE YEARS. There were 20+ pages of questions to answer. Have I ever had cancer. Have I ever had diabetes. Have I ever had a hangnail. I was rejected three times. I finally had to get a letter from my Doctor AND the counselor explaining how normal and low maintenance I was.
So I was really shocked, now that we have "affordable" health care, to discover a plan similar to my current plan would be $680+. Imagine my surprise also that now EVERY plan has a deductible. Good grief am I looking forward to turning 65 and getting on Medicare.
This really isn't affordable. But at least the application was three pages max, mostly their words, and I only had to supply my name, address, Social Security Number and signature.
P.S. I signed up for a cheaper option, high deductible, with in network services in both locations. $480.