Getting signed up: Mia from California
By Consumers Union on Friday, February 21st, 2014
Mia is a self-employed mom from Oakland, California. She and her family had insurance before the Covered California opened for business. But, she says, “We had a terrible plan with a $12,500 deductible. The costs were going up every year – and in the past few years, they’d gone up every 6 months. Meanwhile, our benefits were getting cut.”
Mia’s insurance didn’t provide the security she and her family needed. It was so hard to meet the deductible before the insurance kicked in that they were paying close to $300 per visit each time any of them had to see a doctor. “I had to keep a credit card exclusively for health emergencies in my wallet,” she says.
But that plan was all they could afford.
Things changed for them this year under Covered California. Mia and her husband were able to purchase a plan with a much lower deductible – $500 per person – which also meets their coverage needs. Their co-payments for doctor’s office visits are just $15. “It’s real health insurance. Everything is affordable.”
Their new plan did not cover all of the doctors they saw under the old plan, but that wasn’t a dealbreaker for Mia’s family. “Most of our doctors did not join our Covered California plan, but we do have coverage at UCSF and Children’s Hospital Oakland. That was more important to us, to know that if we really got sick we’d have good options. ”
“This is the first time I’ve had health insurance, real health insurance, since my oldest daughter was born,” said Mia. “It’s such a relief.”
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