I Sold TinyPilot, My First Successful Business

Re:I Sold TinyPilot, My First Successful Business by brianwawok on Wednesday May 29, 2024 @07:05PM (#40518148)

You actually can’t. There are off market and on market plans. Even though it’s by the same insurer, on market insurance is only taken by 50% of the places that take the off marketplace plans. Been down that road a few years ago and it was a disaster. Ended up getting a great plan for my company through the state chamber of commerce.

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Re:I Sold TinyPilot, My First Successful Business by lotsofpulp on Wednesday May 29, 2024 @07:24PM (#40518328)

In my experience in west and northeast coast states, the plans are the same assuming they are ACA compliant. The employer even shows the same gold/silver metal level labels when you select a plan, and I’ve always had BCBS plans, which has the same networks via employer or via healthcare.gov

They only things that I expect to change are total premium, deductible, out of pocket expense, copays, and network. Otherwise, the coverage itself is dictated by the same law.

I can see right now that the BCBS gold HSA premium from my employer (total, including employer portion) is the same as the BCBS gold HSA available on healthcare.gov.

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Re:I Sold TinyPilot, My First Successful Business by brianwawok on Friday May 31, 2024 @08:52AM (#40534503)

Reimbursemenet rates are not the same. Some doctors will accept 1 and not the other.

I used a hospital for a new baby birth. Because my plan was on-market, the provider doing delievery didn't accept it (Despite it being on the in-network list). So I got to be stuck with a ~13k bill. Was super cool.

This was back ~8 years ago, so perhaps it's all been sorted.. but I have such a bitter taste in my mouth after having to pay this out of pocket, I won't touch on-market plans with a 100 foot pole.

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