No PPO or HMO coverage @ work this year.. any other options?

This year I missed my health care enrollment deadline in a big way by mistake and I am looking to go get a sleep study done. Any other options?

Be VERY careful.
Try to get covered by someone/something ASAP.
If you go a year without coverage, you may not qualify the following year.

Anything "new" that's treated during the time you are uncovered may be considred a pre-existing condition when you become eligible for coverage again. So let's say you develop wrist pain from playing tennis during the year without coverage and when you're covered you develop carpal tunnel syndrome due to your job, you may not be covered for any CTS treatment.

Go to HR and find out what your exposure is.

Look for a teaching hospital. Some do sleep studies for free or pay you a fee. Google sleep studies. I google everything. I've even googled myself now and then.

Dang, you might have to pay for it. Talk to you human resources dept, or you can contact your local hospitals to see if one is offering a free program.

Kaiser Permanente has individual coverage that is under $100 a month (no I don't work for them...LOL)

Just a thought.

http://www.kaiserpermanente.org/?engine=...

Tags

　　Hospice Care 　　Horner Syndrome 　　Hormones 　　Homosexuality 　　Homeopathy 　　Hodgkin Disease 　　HMO 　　Hives 　　HIV 　　Histoplasmosis 　　HIPAA 　　Hip Replacement 　　Hip Disorders

Related information

Will Kaiser Permanente hmo cover me at another hospital?

Not normally unless there is an emergancy. And normally the contract (policy) will have reduced payments from 50 percent to 70 percent of the cost. You would need to get pre approval prior to a...

What is the difference between HMO and PPO??

HMO: A Health Maintenance Organization, or HMO, provides employers a way to take care of all their employees鈥?health care needs with reduced costs by negotiating with specific doctors, hospitals, a...

I have blue shield HMO, how much should my copay be for "citracal prenatal+dha"?

You need to call your plan and talk to customer service. Some insurance plans have certain brands of drugs that are covered, while others are not. You may need to get a generic. You may not ha...

I have carefirst bluechoice (HMO) I am looking at prescriptions and it has 4 different categories, anyone know

Non-Preferred would be non-formulary, that is drugs not on CareFirst's list of approved drugs. Many plans do not pay for drugs that are not on the formulary. Others will pay but the member is ...

What exactly is an HMO? A PPO?

HMO=health maintenance organization, a health insurance set up with a gate keeper, your primary care physician, where in order to have much of anything done you must go thru your gatekeeper. Often...

Is there a Medicare HMO serving Bullhead City, Arizona?

Please consider calling your local Area Agency on Aging--these groups are one of the best kept secrets around for older Americans and their families who are seeking information on Medicare Part D o...

How to find a hmo for senior citizen in unitah,utah?

Although I don't live there, I have heard Utah is a great place to live! And, there are folks there who can help get your questions answered thanks to a national network of Area Agencies on Ag...

Which is better..an HMO or a PPO and why?

PPO.

...