In the past I have been ‘turned off’ by lack of info available when searching for health insurance plans. What is covered, what is not, durable supplies (CGM), deductibles, OOP, etc. Generally, I have come to the conclusion that my total medical expense with insurance would exceed the cost of ‘pay as you go’ and therefore have been a ‘cash pay’ patient with a back-up affordable catastrophic plan. Basically “buy now and find out later what your true cost is”.
Bronze Plans offer low premiums but HUGE deductibles and OOP - OK for healthy.
Gold Plans come at high premiums, low deductibles and OOP - OK for some.
Silver Plans generally appear good for those with only a few problems.
When doctor office advisor and I went thru some plans - Ambetter Texas looks good, but discouraged when telephone conversation with Ambetter says True Metrix is covered as replacement for Dexcom (meter vs monitor). Personal call today says Durable are covered (in network) but her list does not confirm Dexcom (or even wheelchairs). I hope Dexcom can advise if Ambetter covers their products.
Any suggestions of what plans to consider, particularly in Texas, that offer affordable premiums with good coverage of Endos, Insulin, CGM, Lab Tests, etc (ATT I am not interested in pumps).