weird. I have good insurance now, and my private insurance was 130$/month for the same coverage, and same deductibles.
2013 Cadillac ATS....¶▅c●▄███████||▅▅▅▅▅▅▅▅▅▅▅▅▅▅▅▅||█~ ::~ :~ :►
2008 Chevy Malibu LT....▄██ ▲ █ █ ██▅▄▃▂
1986 Monte Carlo SS. ...███▲▲ █ █ ███████
1999 F250 SuperDuty...███████████████████►
1971 Monte Carlo SC ...◥☼▲⊙▲⊙▲⊙▲⊙▲⊙▲⊙▲⊙☼◤
asteele2 Wrote:Holy god - I didn't know how good I have it. $54 mo/low copay.
HMO = cheap, less flexibility, more hoops
It has better payout because you're basically always using their doctors and have to conform to their ways. You also get the added benefit of needing referrals but much lower copays. HMOs tend to be more restrictive in their types of payouts (i.e. more exclusions and a tendency to get screwed if you don't follow procedure)... hence my comment.
In a PPO you can basically go pretty much anywhere and only have to pay $20 (after your yearly deductible) but you pay for that freedom.
RJ, if you never go to the doctor you should switch to an HMO.
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
Apoc Wrote:RJ, if you never go to the doctor you should switch to an HMO.
The only HMO option was only available in boston (company HQ). Other than that, the PPO i'm on... not much choice.
(09-25-2019, 03:18 PM)V1GiLaNtE Wrote: I think you need to see a mental health professional.
Wow... your job really does suck.
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
Apoc Wrote:In a PPO you can basically go pretty much anywhere and only have to pay $20 (after your yearly deductible) but you pay for that freedom. I got a bill from an orthepedist for $80 saying that my PPO (BCBS) didnt pay for everything....
not sure if i have some yearly deductible bullshit, or they will only pay the average amount for the kind of work and this place overcharges.... i guess i should look into that.
I had an HMO growing up and im NOT under any circumstances going back to primary care providers and referrals. FUCK that shit.
.RJ Wrote:Apoc Wrote:RJ, if you never go to the doctor you should switch to an HMO.
The only HMO option was only available in boston (company HQ). Other than that, the PPO i'm on... not much choice. are you sure it was only available in boston, or the insurance was just based in boston?
my last company was based in mass so I had blue cross massachusetts. This company is based in San fran and I have blue cross california hippie retard edition.
Evan Wrote:are you sure it was only available in boston, or the insurance was just based in boston?
I was told the plan was "only available" to employees up there.
Yes, my job sucks and I am counting the days.
(09-25-2019, 03:18 PM)V1GiLaNtE Wrote: I think you need to see a mental health professional.
.RJ Wrote:Evan Wrote:are you sure it was only available in boston, or the insurance was just based in boston?
I was told the plan was "only available" to employees up there.
Yes, my job sucks and I am counting the days.
Patiently, you might say?
Didn't you just get this job <1year ago?
2013 Cadillac ATS....¶▅c●▄███████||▅▅▅▅▅▅▅▅▅▅▅▅▅▅▅▅||█~ ::~ :~ :►
2008 Chevy Malibu LT....▄██ ▲ █ █ ██▅▄▃▂
1986 Monte Carlo SS. ...███▲▲ █ █ ███████
1999 F250 SuperDuty...███████████████████►
1971 Monte Carlo SC ...◥☼▲⊙▲⊙▲⊙▲⊙▲⊙▲⊙▲⊙☼◤
HAULN-SS Wrote:Didn't you just get this job <1year ago?
Yes. Your point?
(09-25-2019, 03:18 PM)V1GiLaNtE Wrote: I think you need to see a mental health professional.
didnt you research them, or think about the benefits or anything before you took it? or was you previous job just that much worse?
2013 Cadillac ATS....¶▅c●▄███████||▅▅▅▅▅▅▅▅▅▅▅▅▅▅▅▅||█~ ::~ :~ :►
2008 Chevy Malibu LT....▄██ ▲ █ █ ██▅▄▃▂
1986 Monte Carlo SS. ...███▲▲ █ █ ███████
1999 F250 SuperDuty...███████████████████►
1971 Monte Carlo SC ...◥☼▲⊙▲⊙▲⊙▲⊙▲⊙▲⊙▲⊙☼◤
HAULN-SS Wrote:didnt you research them, or think about the benefits or anything before you took it?
Yes, I did research everything and looked at the benefits package. It wasnt perfect but all the other aspects of the job definitely look good at the time. If the job was great, the out of pocket for benefits wouldnt be a big deal, but thats not the case and what I got into was quite a bit different than expected.
(09-25-2019, 03:18 PM)V1GiLaNtE Wrote: I think you need to see a mental health professional.
Evan Wrote:Apoc Wrote:In a PPO you can basically go pretty much anywhere and only have to pay $20 (after your yearly deductible) but you pay for that freedom. I got a bill from an orthepedist for $80 saying that my PPO (BCBS) didnt pay for everything....
not sure if i have some yearly deductible bullshit, or they will only pay the average amount for the kind of work and this place overcharges.... i guess i should look into that.
It's likely a yearly deductible but if it isn't, it may be because your provider doesn't participate in the plan (aka out of network). I've never had a provider that doesn't participate in mine but yours may be different.
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
Mike Wrote:like evan, i made the assumption that my health is my health regardless of what put me in a certain state. i suppose i'll look in to it.
ditto, I went ahead and called today, I have Anthem (Blue Cross/Blue Shield PPO). She kind of balked, as in, well.... if it's an accident, you're covered as any accident, but she was nice, admitted she hadn't heard this question before. She checked and was right, there's no difference. Skiing, skydiving, motorsports, whatever. I don't see anything alarming in the fine print either, so yeah, I wonder what kind of companies don't cover it! :dunno:
Of course, it's still going to be 80/20 after I exceed the deductible, so it's not free or anything.
The only thing that stops a bad guy with a van is a good guy with a van
|
