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My boss want to switch our health insurance to blue cross hmo? |
anyone have that plan, and what do you think of it. all i've ever heard is that hmo's suck. is that true? A lot of people are underinsured or not insured which hinders a lot as rising cost of medical services,prescriptions and treatment.Blue Cross is a good health plan and I wish my husband still had the insurance still..If you have any concerns about your HMO,Talk to a representative who is with Blue Cross and ask what options and deductibles you may have. I loved that insurance and wished I still had it. The only bummer that you need to get referrals and as long as you have those you are good to go. I had a surgery under that plan and I was in the hospital for 4 days the cost was well over $20,000.00 and it was completely covered. Also a lot more drs take blue cross then any other, that is what I have found. Everyone is having health insurance problems. The cost is so high. So now people are paying more for coverage and having to pay for perscriptions. I have blue cross and it is not that great and it does not pay much. I had hand surgery a while back and they only payed like a 1,000 dollars and I was left with a 4,000 dollar doctor bill. Good Luck! An HMO insurance is a coverage that helps sometimes and other times your out of pocket expense can be greater. A PPO insurance or traditional plan is better because the insurance actually pays the dental office for your services at a percentage and your out of pocket expense is less. But in your case your probably do not have a choice unless you pay your own whole premium. Your boss wants to save money by offering the employees insurance and have you pay out of pocket for services not covered by this measly plan. HMO's are not the ideal plan. |
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PPO= PREFERRED provider organization HMO= health MANAGED organization PPO plans generally give you the option of seeing a participating or non participating, but encourage you to see particip... Socialized or Singler payer systems are nothing more than a large government HMO. The only way to control costs is through managing access. This management of access is accomplished by delaying med... You can do a search on the blue cross blue shiled website. ... HMOs don't prescribe treatment. Doctors do. A doctor can order anything ... but the HMO doesn't have to pay for it. If your insurance doesn't cover a life-saving treatment, does t... Your insurance will not cover the cost if the doctor is not in their plan. ...PPO if you can afford it. The difference is HMO is managed health care in which you must go to preselected (by insurance co.) providers and most provider list are very small in HMO. PPO you can u... Medicare --and the different Medicare plans now on the market --can be very confusing. How you will be affected --whether you are enrolled in traditional Medicare or whether you are enrolled in one... Do what the corporations and sponsors do. Pay the talk show host to spout your opinion ... |
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