Although there were some problems with the process of signing up for Obamacare early on, the problems have seemed to work themselves out and it is very easy to apply now. The first step for applying is simply heading over to the Obamacare site and applying to see if you get coverage. You essentially enter all of your information in relation to your current living situation, income, and all sorts of other things that determine whether or not you qualify for assistance.
What basically happens is they will analyze your paperwork and will send you back various plans that you qualify for. You then have the option of selecting between a handful of plans, which you can research and make your own decision as to which company you want to go with. Generally speaking, the lower the amount of income that you have per month, the more assistance you will get towards your bill. For my current situation, I applied as a single individual and ended up selecting Coventry, because they have had great reviews and their plan gave me great coverage for a very low cost. The total subsidy that I received took my monthly bills down to under fifty dollars and the average cost of going to the doctor is generally five dollars or less, making it an incredibly good plan to go with.
I had originally gone with Cigna, but I have found that Coventry Georgia has a far superior plan. One of the best parts about their plan is that their facilities carry just about everything you need medically all in one place. You can pick your prescriptions up at the very place that you go to see the doctor, and there are plenty of hospitals and doctors’ offices around. For me personally, the prescriptions that I get are very cheap compared to the sticker price on the bottle, which is due to the large subsidy that i receive, which is then applied to my prescription costs. A few of the prescriptions that I regularly pick up are in the one hundred to one hundred and fifty dollar range, and the total amount to pick them up is under ten dollars.
There are several levels that you can select in the Coventry/ Aetna system. I had one option where I would essentially pay nothing, but the coverage was different if I had needed to have a major surgery or something of that magnitude. You will have to weigh your options when it comes to your risks of having a large medical cost, but I opted to pick a coverage that was somewhere in the middle, where I still have costs per month, but the overall charges for a long hospital stay would not be massive. So far I have used the plan to see a regular doctor at least six or seven times, have seen several specialists, and picked up medication and I have to say it is the most professional and efficient health insurance company that I have ever dealt with.