I just came across this. I see it s 5 years old, so there have definitely been some changes with the health insurance industry and regulation.
On healthcare.gov health insurance marketplace, I noticed that the Bronze plans for Blue Cross Blue Shield in Illinois now have this "30% coinsurance after deductible" or 20% after deductible for primary and specialist doctor visits. I almost couldn t believe it after I saw it.
This is the first I ve seen the "after deductible" thing anywhere. I wonder if people know what a big difference that is from the other plans. The deductible was way higher than what the original post mentioned, $6,250 individual and $13,700 family. The one with the 20% coinsurance after deductible has a deductible of $6,800 individual and $13,700 family. Then there is one that is no charge after deductible and deductible is $6,000/$13,100. And I wouldn t call the plans cheap at $430 - $456 per month, though it s a bit cheaper than their silver plans which did not have this "after deductible" nonsense and cost $ - $ .
This seems ridiculous to me. You will be paying for the whole doctor visit everytime you go to the doctor, until you pay $6,250 - $6,800? Wow. And $1,000 emergency room copay, ouch.