I'm intrigued by this. Obviously I don't want specific details of your insurance policy (actually, I do because I'm incredibly nosy. Rephrase that to "obviously I don't expect specific details of...") but is there any way you can expand on that a little without giving away anything too personal? What sort of exceptional quality care are you (potentially) getting?
I should have said quality for the cost. For the amount I was paying as monthly premium, I was very impressed with type of coverage I was receiving, given my current tax bracket. I'm in a preferred provider plan, meaning that while my premiums may be slightly higher than an HMO, I'm covered to visit specialists within my network without a referral. My company offers me $175 towards my health insurance, and since I'm young, healthy, and not married, I get it pretty much for free. I chose a plan that suited my specific needs (my plan didn't cover mental health services and addiction treatment, for example), which helped to cut down significantly on my premium. It was also limited in preventive services coverage, which I preferred, since I could go for preventive services like physicals, immunizations, and other screenings whenever and wherever I wanted on my own schedule - so long as I paid out-of-pocket. I exercise regularly and eat healthy, so I always liked this, since I really have no reason to check my cholesterol or blood pressure yearly at this point in my life. When I did go in for a preventive service like physicals or screenings (which was about once per 2-3 years), I generally paid $250-300 out of pocket at that time. Going to the primary care doctor with a genuine ailment, however, was not billed as a preventive service, and thus covered. In my personal case, I had an insurance plan that was tailored to my needs, and hedged against any unfortunate emergency, long-term care situations as well.
However, this policy expired, and now I'm paying a higher premium for a new plan from the same company, with added services that I'll never even use. Luckily I can still afford it, but with the ACA, insurance companies are not permitted to charge a copay with any of these preventive services, so they are automatically provided as part of the insurance coverage in full
- funded through my premiums. For my purposes, this is a pointless waste, since I do not require depression screening, HIV screening, or alcohol misuse screening in my insurance plan. Even if I did need any of these services in the future, I would prefer to simply pay it out-of-pocket on a one-time basis.
While our ages/incomes/tax rates obviously vary, my insurance situation is actually very similar to Phaia, who posted earlier in this thread.