I’m an evacuee as well and read the posts in FWF and Hot Deals for years.
I need some health insurance ideas. In 2018 my county in GA will have two providers through the exchange Ambetter and Kaiser. Neither offers an individual PPO. I know I will have severe medical costs in 2018. I will be going to an inpatient hospital that is not in network with any provider. However, they will work with your insurance company. Out of pocket cash price: 30-90K depending on length of stay. Sorry for the all caps but to make sure this is read: I DO NOT HAVE A CHOICE IN TEH FACILITY NOR, A CHOICE IN LENGTH OF STAY. This is going to happen whether I have insurance or not. It’s a must.
Looking at Ambetter it seems they will not cover any out of network inpatient treatment for any of their plans.
Kaiser has a 20-30% coinsurance after deductible. Is that the best I can do?
Can I set up my own company of 1 to get a group ppo? Even a premium of 1k/month would be okay if it covered my hospital stay.
Don’t understand. If you must have this procedure but the hospital isn’t in network, and no other hospital in the state can do the procedure, what would your insurance tell you to do? Not have the procedure? Maybe contact the state insurance board and try to get it covered?
I found a method of gaining insurance via[ Goco.io](http:// Goco.io). It’s an HR company for self-employed people. They allow the group of one, and you can sign up for the Cadillac of insurance plans, a PPO.
My monthly premium for 2017 is $550 with an out of pocket max of 12k. 2018 insurance plans aren’t released yet. I’ll check in November, and if it is not as good, then I will go to the facility this year instead of next.