I will be paying $56.00 per month for my policy, which includes 5 dollar copays for doctors' visits, 15 dollar copays for specialists, 5 dollar copays for generic drugs, and 30 dollar copays for drugs not on the generic list. In the worst case, out of pocket expenses for any treatment for illness cannot exceed 3,000 dollars. Since my wife's medicine normally runs 1,400 bucks a month, that is quite a savings. To be honest, though, my wife was getting her Zyprexa through a special program through Eli Lilly, in which the drugs were free. However, the generic version of that drug just came out, and although it's substantially less, it's still quite a bit. Eli Lilly has dropped Zyprexa from the list of drugs it gives out free of charge to those who cannot normally afford it, because there is now a generic replacement for it.
The plan that I ordered is the Humana Silver Plan that is offered in Texas. Am thinking about upgrading that to a Humana Platinum Plan, which will only cost me 20 bucks more per month, but has zero copays, and only a thousand maximum out of pocket expenses for any illness. In total, there are 46 different plans available for Harris County, Texas, which includes Houston. Some even include dental. These are available through the Federal Health Care Insurance Exchange.
BTW, I got my insurance through the Federal Health Insurance Exchange. The web site did not work for me, so I called the toll free number on the site, and got through in minutes. The whole process took about 2 hours on the phone. Bottom line here is that the ACA is not just a web site.
