(Closed) Need help choosing health insurance!

posted 6 years ago in Wellness
Post # 3
Member
9139 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

BCBS!!!  Humana is notoriously difficult to find in-network providers for.  If you already have doctors I would highly suggest calling them to see which plans they take first before committing.

Post # 4
Member
586 posts
Busy bee
  • Wedding: June 2012

Growing up I had BCBS and in my experience almost every doctor accepted it and the insurance company was very easy to deal with.

Post # 5
Member
2622 posts
Sugar bee
  • Wedding: November 1999

What kind of plans? PPO, HMO? Not enough information to help yet.

They may have about the same coverage, but how do they handle the doctors? Is it a network? can you go to whoever? do you need referrals?

Post # 6
Member
9139 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@ThreeMeers:  Good point.  A basic PPO is most likely better than an equivalent HMO because with the PPO you can see any doctor in-network with your plan whenever you want.  With an HMO you have to designate a primary care doctor and have them evaluate you and write referrals to see other doctors.  This can be a big pain if you run out of referrals before you are finished being treated for the condition you received the referral for, or worse, the office bills the wrong diagnosis code for the referral and the HMO denies the claim.

In shorthand, a PPO plan is better than an HMO plan in most cases, especially if you aren’t knowledgeable about the health care system and you would have problems advocating for yourself to get the proper referrals and billings.  HMO plans tend to be cheaper though because the services are more controlled and primary care doctors are encouraged to limit or restrict referrals to more expensive, specialist doctors.

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