Re: HDHP or PPO
Originally Posted by Sugarmooma
(Post 9565283)
I have a $700 deduct, then it is 80/20%. $25 co-pay for GP, $50 co-pay for specialists and $1500 OOP expenses.
In October it is changing to the evil Aetna:eek: Deductible is going to be $1500, co-pays $75 and OOP expenses $2000....also most of the doctors in the immediate area are not on the plan either:( |
Re: HDHP or PPO
Originally Posted by laety
(Post 9565304)
so why the change? is it forced by your work?
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Re: HDHP or PPO
Originally Posted by Sugarmooma
(Post 9565283)
In October it is changing to the evil Aetna:eek:
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Re: HDHP or PPO
Originally Posted by Sugarmooma
(Post 9565333)
Every year during the budget (I work for a county government) they look to see if they can save money and sometimes they shop around and find an insurance that is cheaper for them. That usually means it will cost more to the employee, but they pay for it so I guess we don't complain:rolleyes:
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Re: HDHP or PPO
Originally Posted by laety
(Post 9565304)
so why the change? is it forced by your work?
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Re: HDHP or PPO
You also need to compare the plans regarding monthly premiums VS deductibles. I took a plan that was 30 more a month but the deuctable was $300 vs. $1000. I remember the days when I wouldn't have to worry about the cost of health insuranced because it was reasonable!
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Re: HDHP or PPO
Originally Posted by penguinbar
(Post 9566094)
You also need to compare the plans regarding monthly premiums VS deductibles. I took a plan that was 30 more a month but the deuctable was $300 vs. $1000. I remember the days when I wouldn't have to worry about the cost of health insuranced because it was reasonable!
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Re: HDHP or PPO
is it generally easy to find a GP?
and if you need a "specialist" Ie dermatologist etc.. do you have to be referred, like in the UK? (Im asking because in France - where Im originally from) you can just go to any doctor you like without having to have a referral letter first |
Re: HDHP or PPO
Originally Posted by laety
(Post 9566880)
is it generally easy to find a GP?
and if you need a "specialist" Ie dermatologist etc.. do you have to be referred, like in the UK? (Im asking because in France - where Im originally from) you can just go to any doctor you like without having to have a referral letter first I don't think it is hard to find a GP. A suggestion is to ask around maybe with co-workers which may give you an idea who is good. Then make a "new patient/meet the dr" appointment, this way when you are sick it will be easier to get an appointment as you will already be an established patient. As for specialist, a lot depends on the insurance as to whether you would need a referral. Lots of times you don't. |
Re: HDHP or PPO
Originally Posted by laety
(Post 9566880)
is it generally easy to find a GP?
and if you need a "specialist" Ie dermatologist etc.. do you have to be referred, like in the UK? (Im asking because in France - where Im originally from) you can just go to any doctor you like without having to have a referral letter first Some don't take on certain insurance as well, but your insurance would have a doctor locator, stick in the zip code and it'll bring up doctors who'll take you. Seeing a specialist easily or not, depends on insurance. HMO, you would need a PCP referal, if a PPO plan, then you wouldn't, if the specialist was in network it'll cost less than if out of network and you may or may not have to pay up front. |
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