hmo / ppo
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- _salisae_
when deciding which to go with what are the main points to look at?
i don't mind them taking $ out of my check for the dental plan - but i am a very healthy youngin.
is it just safer to go ahead and get the medical plan?
if yes, what are the main reasons to go with hmo or ppo.
in your opinion.
and no, i'm not calling anyone a homo. ;)
- lunaluxx0
Well, I thought I had a ppo, but it's really an hmo in disguise. Two of my doctors dropped me because I have an hmo, which is annoying. I HATE finding new doctors after you've established a decent relationship with them.
HMOs are are tricky if you live in a big city...I had one in NYC too and it SUCKED. Doctors that except them tend to overbook appointments, thus making scheduling an appointment and seeing the doctor within a reasonable amount of time a near impossible task. Which sucks when you are really are sick.
Since you're young and healthy, I say check with your current doctors and if they accept the hmo plan, save some money. Otherwise go with the ppo. You will have more choices in the end.
If you want more hmo horror stopries, email me offline. I'll be glad to relate them.
- chossy0
opp u no me?
- SLAZ0
i'd go with ppo... this way you dont need referals and such, and also go to any doctor you want as long as they take your insurance. thats what i have. much much easier than hmo.
- abizzyman0
what Slaz said.
- robotron3k0
damn, i just screwed over myself this year by going with an hmo plan-cause i too am phenom healthy as well,... then my doctor closed office, so now i've got to find another and my choices sucketh.... go ppo.
- whiteSneaks0
PPO is usually a better choice if you want some say in your healthcare.
Either way though having some coverage is a good idea. No matter how healthy you are shit you don't expect can be a huge problem.
My buddy got a really bad appendicitis out of nowhere and is now buried in $20K worth of debt. No fun not being insured.
- gruntt0
Homo Pee Poo
*snickers like a 3 year old.
- ms790
If ur a hypochondriac like me, go with the ppo, but make sure it truely is a ppo, if not go with hmo nothing wrong with it.
- pooch0
having it deducted from you check is not such a bad thing anymore especially if you work for small buisness.
under new law, you pay for you healthcare, dental, etc... before you are taxed. thus saving you mucho $'s.
i just switched over to AFLAC and was able to get full dental, specialty cacer coverage, specailty accidental coverage, for the same amount of money i was spending before for just reqular ole' healthcare.
- pooch0
and i'm a healthy bitch
- k0na_an0k0
go for the homo over the poo. poo is just yucky.
- _salisae_0
thanks for all the input.
i now have dental, life insurance and took a big, healthy poo :)