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Michi
My Love
Member since 5/05 31600 total posts
Name:
M
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Need Health Insurance Advice...UPDATED W/ ANOTHER QUESTION
Without going into to much detail I hafta figure out which health insurance company i m going to pick.... money is not really the issue b/c i m single and am not paying for an entire family...
have u ever heard of Blue Cross
or
healthnet
or HIP...
which would u choose?
There are so many "options" for HIp I dont even know how to decide on any of this...
QUESTION: is blue cross part of blue cross/blue shield? or r there 2 different companies???
Message edited 6/11/2008 9:17:44 AM.
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Posted 6/10/08 7:49 PM  |
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SweetestOfPeas
J'taime Paris!
Member since 3/06 32345 total posts
Name:
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Re: Need Health Insurance Advice...
I heard good things about HIP - like everything is under 1 roof
DH has Blue Cross and it was ok
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| Posted 6/10/08 7:52 PM |
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JodiBabe
Married for 9 yrs!!!!!!
Member since 5/05 6672 total posts
Name:
Jodi
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Re: Need Health Insurance Advice...
I have HIP Prime .....it is good but the only thing is you have to use the plan doctors and get referral. a bit of a pain. But they cover everything I need except chiropractor. 
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| Posted 6/10/08 7:56 PM |
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HoneyBadger
YourWorstNightmare.
Member since 10/06 15979 total posts
Name:
BahBahBlackJeep
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Re: Need Health Insurance Advice...
Without knowing what exactly you're going to get with each plan it's difficult to say.
You really need to look at each plan and compare side-by-side.
check what you have to pay out of pocket - meaning co-pays and deductables, etc.
and
see if the doctors you use are in or out of plan.
Every company has a different contract set up with insurance companies and so you need to see what your company's health plans offer.
I know it's a pain, but you really need to read through all the info you have so that you can make the best decision for you.
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| Posted 6/10/08 7:58 PM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Need Health Insurance Advice...
Posted by Jennie0898
Without knowing what exactly you're going to get with each plan it's difficult to say.
You really need to look at each plan and compare side-by-side.
check what you have to pay out of pocket - meaning co-pays and deductables, etc.
and
see if the doctors you use are in or out of plan.
Every company has a different contract set up with insurance companies and so you need to see what your company's health plans offer.
I know it's a pain, but you really need to read through all the info you have so that you can make the best decision for you.
I agree..for me being able to go out of network without a referral is big. It means different things to different people.
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| Posted 6/10/08 8:23 PM |
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nov04libride
big brother <3
Member since 5/05 14672 total posts
Name:
Me
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Re: Need Health Insurance Advice...
Posted by Blu-ize
Posted by Jennie0898
Without knowing what exactly you're going to get with each plan it's difficult to say.
You really need to look at each plan and compare side-by-side.
check what you have to pay out of pocket - meaning co-pays and deductables, etc.
and
see if the doctors you use are in or out of plan.
Every company has a different contract set up with insurance companies and so you need to see what your company's health plans offer.
I know it's a pain, but you really need to read through all the info you have so that you can make the best decision for you.
I agree..for me being able to go out of network without a referral is big. It means different things to different people.
ITA. I had HIP and hated it, but was under a plan where only participating providers were covered, and I needed referrals.
Can you ask coworkers which plan they have? That's really the best way to find out with your options.
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| Posted 6/10/08 8:25 PM |
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Michi
My Love
Member since 5/05 31600 total posts
Name:
M
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Re: Need Health Insurance Advice...
Thanks guys! I am going to ask around today and also call my drs on my lunch break. Starting a new job is so confusing!!!!! ty :)
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| Posted 6/11/08 8:59 AM |
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browneyedgirl
family is all that matters
Member since 6/06 6513 total posts
Name:
browneyes
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Re: Need Health Insurance Advice...
Posted by JodiBabe
I have HIP Prime .....it is good but the only thing is you have to use the plan doctors and get referral. a bit of a pain. But they cover everything I need except chiropractor.
i have HIP prime and LOVE IT!!!!! i can use any doctor i want and referals are a joke. i call my GP, tell him who i want to see and he faxes them a referral. piece of cake.
they have covered 2 surgeries and also 2 procedures that my surgeon told me no insurance company covered. well...HIP did!
and with no copays for anything, you can't beat it.
i would pick them 100% if it's HIP prime. (and you do NOT have to go to a HIP center--you can go anywhere)
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| Posted 6/11/08 9:10 AM |
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