I was fortunate, it only took me one month to figure out this system and get a plan. I signed on, got some financial support from the government, and picked a plan. However, after I finally got my insurance card from Blue Cross Blue Shield of Tennessee, I realized that none of my doctors were on the plan. Hopefully this blog should help you avoid many hours on the phone trying to unscramble this problem.
The main issue with the system right now is that the operators you speak with at Blue Cross and Blue Shield have little understanding of what happens in the Marketplace. If you choose a plan from the Marketplace, there is little to nothing an operator at Blue Cross can do, but lead you back to the Marketplace. When you get to the Marketplace operators, they know just about as much about the plans as Blue Cross knew about the Marketplace. So, I spent 3 days trying to figure all of this out. Here are some pointers to help you.
First of all, know the plans that your provider accepts. Mine happened to be Blue Cross PPO Plan P and S. When I chose a plan, I didn’t realize that the last letter of the plan number indicated the directory of doctors. This is the first thing you should know when choosing! Subsequently, S045-S is in the S plan of doctors. S023-E is in the E plan of doctors.
If you are one of the fortunate ones whom the government is helping subsidize payment of the plan, you must choose from the Silver Plan for Blue Cross. I didn’t know this either. I didn’t understand why some plans were extremely high for less coverage, until an operator from Blue Cross shared about only being able to choose from the Silver plan. Now everything started to make sense. At this point, I needed coverage from the Silver Plan that had a plan number ended with S or P.
Now let’s deal with the Deductible and Out of Pocket expense vs. individual payment for doctors, specialists and healthcare. Here is the real focus! Look only at the Deductible and Out of Pocket expense, first, because once you pay for the out of pocket expense, nothing else on the plan matters. The plan pays for 100% after the deductible. That I definitely didn’t know. So, now I began to look for a Silver plan ending in P or S, and had a low out of pocket and low deductible. I found one for even cheaper than what I paid before with $500 total out of pocket for the year, for only $97 a month. Basically, once I pay that $500, I pay $0 for everything else, including prescriptions for the rest of the year. Of course, I continue paying the 97 dollars, though.
When I ferreted out all the possible expenses, this plan was the one to choose. I hope that helps.
Look for MY LATEST BOOK: “Finding Authentic You, 7 Steps to Effective Change” with a Year to CLEAR (C-larity, L-ove, E-nthusiasm A-nd R-elationship-Ready) on my Website in the Webstore. Thanks!
Below is information that I will be sharing for about a month, as not every person on my list reads the blog every day. If you have already read it, just skip over it. Thanks for understanding.
A Year to CLEAR Challenge:
(Please Know: You Can Join Us At Any Point in the Year Challenge.)
The masses search outward for things that qualify them as a person, but I always go inward for that which quantifies me for greatness. At twenty-five I preached on street corners in NYC as an in-the-closet Pentecostal minister. One day I heard a still small voice say, ‘God cannot be contained in a book or a law or even in a religion. Dig deeper, reach further to find me, and you will find your authentic Self.’”
A Year to CLEAR Challenge!
The acronym CLEAR stands for (Compassionate, Loving, Enthusiastic, And Relationship-Ready). The goal of this project is to engulf readers in a weekly study that will transform them by removing blocks, promote self-growth, and give them wings to fly freely into daily life. Each week, by going to BoSebastian.com and choosing the Year to CLEAR Challenge tab, a new challenge or thought to provoke conversation, growth, and group functionality.
My vision is to make Finding Authentic You the book to have in your Kindle or on your computer. The book is a comprehensive look at growth—spiritually, mentally, and physically.
As a yoga teacher and student of the Ayurvedic tradition, I bring to the table understanding of physical challenges, the ability to overcome mental problems with Life & Health Coaching, as well as hypnotherapy, and expertise in meditation and spirituality as a minister.
The combination of all three in one book with an interactive connection to like-minded readers, for one year, is what makes this Year to CLEAR Challenge a must-do for every spiritual seeker.
The One-Year Approach to Change
No one believes he or she can change overnight. But success in change comes from the metaphors of nature. Seasonally, life changes all around us in nature. Finding Authentic You offers a gradual change perspective, looking at the triune aspects of change as in yoga: Body, Mind and Spirit.
Accessing the ability to change and finding yourself actually pursuing change must be a daily search, which I call getting to the “observer mind.”
In this frontal cortex of the brain we find the anatomy of change and the power to counter every negative trigger of the human process. The workings of Hypnosis, NLP (Neuro-linguistic Programming) and EMDR (Eye Movement Desensitization and Reprocessing) are all positive actions to help the mind and body flow to a positive space for change.
Every aspect of FINDING AUTHENTIC YOU fulfills this constant need for diffusing the negative past and dreaming of a fulfilling future.
Step 1: Recognize That Change is Inevitable
Step 2: Release from Resistance to Change
Step 3: Understanding Change and Allow Spirit to Define It
Step 4: A History Lesson—About You
Step 5: Look at Your Past with Compassion
Step 6: Making a Strong Commitment to Change
Step 7: Dream Your Fabulous Future
Go to www.bosebastian.com for Week One to Four Challenges:
TOOLS FOR CHANGE:
Go to Storefront to buy any of the following or make a donation to Finding Authentic You: www.shop.bosebastian.com
• My Latest Book: Finding Authentic You—7 Steps to Effective Change (800 page downloadable Kindle version)
• Introduction to Meditation
• Smoke Cessation mp3
• Weight Loss mp3
• Hypnotic Lap Band surgery Mp3
• Insomnia mp3
• Eternal Om mp3
• Meditation Music mp3
• Guide to Meditation mp3
• Healing the Body mp3
• And my “Lessons from the Heart” book ready for your download purchase.
Go to Home Page: www.BoSebastian.com
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Bo Sebastian is a Hypnotherapist and Life & Health Coach, available for private sessions to QUIT SMOKING, Lose Weight, New Lap-Band Hypnosis for Weight Loss, CHANGE YOUR MIND, CHANGE YOUR LIFE! at 615-400-2334 or www.bosebastian.com. Please feel free to comment and/or sign up to receive your blog sent to you directly or stream with an RSS Feed.
I am trying to spread the word about my blog and I need your help. Please let your friends know it exists, if it gives you hope and blesses you each day. I would be greatly pleased for you to share anything that you read by clicking the share button in Facebook.com/bo.sebastian, or add it to your Twitter at BoSebastian; or LinkedIN at Bosebastian5@gmail.com; or find this blog home at www.FindingAuthenticYou.com. Any of my books can be found on Amazon or Barnes and Nobel, just by typing my name in the search header.
Also, look for MY LATEST BOOK: “Finding Authentic You, 7 Steps to Effective Change” with a Year to CLEAR (C-larity, L-ove, E-nthusiasm A-nd R-elationship-Ready) on my Website in the Webstore. Thanks!