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My group insurance through my employer is taking a nasty trend... my opinion. My question to you all is this. How many of you have a ppo plan and how many a hmo plan? What do the masses use?
Meant to be in off topic... oops
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I retired about 5 years ago. Have a ppo plan. I used to complain about the cost until my wife had a quadruple bypass. It was a lifesaver for us. I live in a rural area in East Tennessee so we had to go to Knoxville for the surgery. Sometimes the things I complain about turns out to be blessings I take for granted. Just my take on it. Good luck.
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Currently have a PPO but have had HMO in the past.
The HMO is generally the cheapest option as long as you stay "in network".
I moved it for youQuote:
Originally Posted by silverside
Same here !!Quote:
Originally Posted by deathb4disco
I have always been in a ppo except for 1 year I had a hmo. Couldn't get away from the hmo fast enough. I had appointments that took 1 hour of my time with the ppo. The same appointment with the hmo took 4 hours. No thanks.
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PPO for me, BCBS Advantage plan.
same for meQuote:
Originally Posted by trypman1
This is exactly what scares me about an HMO. Like your wife I have had troubles: stroke, 3 heart attacks, triple bypass, have 25% use of my heart, and 6 years ago I was in a motorcycle accident that has left me permanently mentally disabled. Let's just say I see a few doctors in a years time. I can not take off work long enough to travel 1-2 hours away for an appointment. Just can't. :bangheadQuote:
Originally Posted by BigBlue30
I get what you're saying. Love her heart my wife, has had a quadruple bypass, an endarterectomy on her right carotid artery and had a thankfully light stroke in November. She's had great care in Knoxville and I've spent alot of time thanking God for being alot smarter than me. But all that has happened in the last 27 months.Quote:
Originally Posted by silverside
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My wife and I had PPO plan when she stroked some 2 1/2 years ago,,,sure put a damper on things after she became disabled and had to wait 24 months to get har Medicare ,,Been paying Cobra insurance the past year at $800 a month until Medicare kicks in in April of this year,,,Who the heck in the infinite wisdom voted to make someone have to wait 24 months to get their Medicare insurance ,” after” they are deemed disabled?....makes no sense whatsoever....
It drove to pickup my wife’s medication yesterday, only to be told I had a $1,000.00 bottle of Nuedexta which helps with handling my wife’s PBAnsyndrone ,,,this helps with controlling her crying and laughing uncontrollably,,,so now I have to give the insurance company that deductable before she can have a medication we pretty much can’t live without,,,..I just hope they start a program for caretakersnto be allowed to get some insurance at a reduced rate seeing I can no longer ever work again and forced to stay home and care for my new way of life,,,
PPO here. Wife is diabetic and her insulin is high. She had a full shoulder replacement and takes a lot of meds. Have been pretty well pleased with the drug card.