OT: I knwo NOTHING about health insurance ....... whats a good insurance carrier ?
05-21-2001, 09:49 AM
#1
Senior Member
Thread Starter
Join Date: Nov 2000
Posts: 5,255
Likes: 0
Received 0 Likes
on
0 Posts
OT: I knwo NOTHING about health insurance ....... whats a good insurance carrier ?
I have NO insurance rightnow .. my policy ended and I need a good carrier .. i want FUL coverage ... like the best plan you can poissibly get. This PPO stuff is weird .. I do nto understand it .... I want no restrictions ..
thanx in advance !
thanx in advance !
05-21-2001, 10:02 AM
#4
AudiWorld Super User
I know enough never to go to a doctor.... :)
OK, here's a quick rundown on HMO vs. PPO:
HMO - bad plan in my book, only worth it if you have a family with kids that need lots of medical care and check-ups. Advantage: low co-pays (usually around $15 a visit) and lower premiums, Disadvantage: your primary care physician has to authorize all of your specialist visits (and he may not want to authorize all of your spec visits), and you have NO benefits if you see a provider outside the healthplan's panel.
PPO - great plan in my book (it's what I have). Premiums are higher than HMOs, and your co-pays will be higher. But, you do not need authorization from a primary care provider to see specialists, and you can see out of network physicians, and the plan will usually still pay 80% of the cost (after you satisfy your out of pocket maximum for the year).
Give me a call and I can answer any questions you may have. I do not know the Miami market very well, so I cannot tell you who will have the best panel of providers down there, but I will be able to tell you what to look for in a health plan.
W:800-254-0672, x6186
H:407-657-2479
BOOSTD thinks I know too much now about healthcare now....wait until i start my masters program in healthcare management this fall!
HMO - bad plan in my book, only worth it if you have a family with kids that need lots of medical care and check-ups. Advantage: low co-pays (usually around $15 a visit) and lower premiums, Disadvantage: your primary care physician has to authorize all of your specialist visits (and he may not want to authorize all of your spec visits), and you have NO benefits if you see a provider outside the healthplan's panel.
PPO - great plan in my book (it's what I have). Premiums are higher than HMOs, and your co-pays will be higher. But, you do not need authorization from a primary care provider to see specialists, and you can see out of network physicians, and the plan will usually still pay 80% of the cost (after you satisfy your out of pocket maximum for the year).
Give me a call and I can answer any questions you may have. I do not know the Miami market very well, so I cannot tell you who will have the best panel of providers down there, but I will be able to tell you what to look for in a health plan.
W:800-254-0672, x6186
H:407-657-2479
BOOSTD thinks I know too much now about healthcare now....wait until i start my masters program in healthcare management this fall!
Trending Topics
Thread
Thread Starter
Forum
Replies
Last Post
OT: Any motorcycle riders out there? Purchasing insurance soon and dont know who is the best around.
Amato9588
New England Discussion
3
03-09-2009 05:36 PM
Aman_UnatrlyAspiratd
Canadian Discussion
5
02-27-2009 02:37 PM
TTBella
TT (Mk1) Discussion
9
04-05-2008 05:23 PM
magiciansampras
A4 (B5 Platform) Discussion
11
08-06-2002 10:38 AM