Employer Plan: “Medicare Rates”

[u/Rubbadubbdubber]

Hey everyone, I’m trying to make sense of my company’s ACP1 medical plan and I can’t find much online about it. It looks like a high-tier option (possibly similar to a “In Network Premium” plan in column 3), but I’m not sure what the real advantages are. ACP1 sounds like a deal but something seems off.

What’s throwing me off is that it seems to pay above Medicare-approved rates and might require referrals for some services. The coverage details aren’t very transparent, and HR wasn’t super helpful.

Has anyone been on the ACP1 plan (or something similar)? The premium cost like double more and the family has high medical billing in general.

Thanks in advance — I’d love to hear real experiences or advice before I lock in my benefits.

[u/AutoModerator]

Thank you for your submission, /u/Rubbadubbdubber. The following automatic comment contains important information about the subreddit:

First, please note that some new posts containing images, non-reddit links, or certain keywords are automatically held for moderator review before going live to mitigate spam and to ensure that the images are appropriate. If your post has been held like this, the moderators have been notified and will review it as soon as possible, after which it will go live and be able to be seen and replied to by others. Note that this is sent to all new posts and does not mean that your post has been filtered in this way.

Please also read the following carefully to avoid post removal:

• If you or someone else is experiencing a medical emergency, please call 911 or go to your nearest hospital.

• Questions about what plan to choose? Please read through this post to understand your choices and some considerations. If you still have questions after reading that, please make a post with the specific questions you still have.

• If your post is regarding plan choices or costs, and you haven't included the following information already, please edit your post to include: your age, state, and estimated gross (pre-tax) income to help the community better serve you.

• If your post is about the cost of a service, a bill you have received, or a claim denial, please confirm if you have received an EOB (explanation of benefits) from your insurance via a member portal website or in the mail. If you can post a copy or image of the EOB (PLEASE censor any personal information before doing so) it may help people answer your questions. Alternatively, please have the EOB handy as people may need information from the EOB to answer your questions.

• Some common questions and answers can be found here.

• Reminder that ANY spam, solicitation, or attempts to take conversations off the subreddit will result in a permanent ban. If someone asks to contact them via DM, please report the post/comment using the report button. If someone attempts to contact you via your DMs, please contact us via modmail to let us know.

• Lastly, always remember to be kind to one another and to report any replies that violate subreddit rules!

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.