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Epeebes
Easy Peasy!
Member since 11/07 1428 total posts
Name:
Epeebes
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NYC teachers, talk to me about insurance.
I know that most choose the free GHI option. But does anyone have something different? What's the difference in the benefits themselves. Copay? Etc.
I'm also single so no family on my plan.
Thanks!
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Posted 8/21/14 4:01 PM  |
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NYC teachers, talk to me about insurance.
Ghi with optional rider is the way to go..you will pay a bit but its worth it for the out of network coverage
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| Posted 8/21/14 4:46 PM |
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MrsPetro2B
LIF Infant
Member since 9/08 344 total posts
Name:
A
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Re: NYC teachers, talk to me about insurance.
Posted by TheDivaBrideandTeddyFrog
Ghi with optional rider is the way to go..you will pay a bit but its worth it for the out of network coverage
ITA!!! Definitely get the rider! They are a real pain when there is a mistake or problem, but then again most companies are. Thankfully haven't had too many issues.
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| Posted 8/21/14 4:52 PM |
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Epeebes
Easy Peasy!
Member since 11/07 1428 total posts
Name:
Epeebes
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NYC teachers, talk to me about insurance.
How much is the optional rider? And what does it mean?
Sorry I'm not health insurance savvy.
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| Posted 8/21/14 5:03 PM |
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MrsPetro2B
LIF Infant
Member since 9/08 344 total posts
Name:
A
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Re: NYC teachers, talk to me about insurance.
It's for out of network coverage. If you have a doctor you love who doesn't take insurance or doesn't take GHI they pay out a certain portion. I think GHI also offers catastrophic which covers you for very costly things like if you were seriously injured or gravely ill outcrops and firefighters I know have it. There is extra coverage for mental health as well since many don't take insurance. All are not very expensive. It pays for itself and comes in handy!!
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| Posted 8/21/14 5:38 PM |
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LITeachTeach
LIF Infant
Member since 7/11 140 total posts
Name:
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Re: NYC teachers, talk to me about insurance.
I know I'm in the minority but I recommend HIP. $0 copays for all in-network services. If you have standing appointments like PT you can't beat it!
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| Posted 8/21/14 6:09 PM |
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Epeebes
Easy Peasy!
Member since 11/07 1428 total posts
Name:
Epeebes
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Re: NYC teachers, talk to me about insurance.
Posted by LITeachTeach
I know I'm in the minority but I recommend HIP. $0 copays for all in-network services. If you have standing appointments like PT you can't beat it!
See now I've had HIP with my previous job. Never had any issues. Although with my copay it was $25.
How much is HIP per month/paycheck?
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| Posted 8/21/14 6:30 PM |
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LITeachTeach
LIF Infant
Member since 7/11 140 total posts
Name:
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Re: NYC teachers, talk to me about insurance.
also $0 http://www.uft.org/files/attachments/health-plan-wallchart_0.pdf
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| Posted 8/21/14 8:50 PM |
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Epeebes
Easy Peasy!
Member since 11/07 1428 total posts
Name:
Epeebes
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NYC teachers, talk to me about insurance.
Wow, thank you!!!! That was very helpful.
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| Posted 8/21/14 9:03 PM |
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LITeachTeach
LIF Infant
Member since 7/11 140 total posts
Name:
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NYC teachers, talk to me about insurance.
You're welcome! I feel like HIP is the city's best kept secret...
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| Posted 8/21/14 9:09 PM |
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Epeebes
Easy Peasy!
Member since 11/07 1428 total posts
Name:
Epeebes
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NYC teachers, talk to me about insurance.
Seriously. I get that getting referrals and staying in network might get people to think twice, but there's so many Drs that take it, it's really not an issue.
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| Posted 8/21/14 9:16 PM |
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LITeachTeach
LIF Infant
Member since 7/11 140 total posts
Name:
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NYC teachers, talk to me about insurance.
Yes, any doctor that takes GHI also takes HIP because they are both the same company ... Emblem Health...
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| Posted 8/21/14 9:19 PM |
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Epeebes
Easy Peasy!
Member since 11/07 1428 total posts
Name:
Epeebes
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Re: NYC teachers, talk to me about insurance.
Posted by LITeachTeach
Yes, any doctor that takes GHI also takes HIP because they are both the same company ... Emblem Health...
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| Posted 8/21/14 9:30 PM |
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Michelle1110
My family is complete
Member since 1/12 2338 total posts
Name:
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Re: NYC teachers, talk to me about insurance.
Posted by Epeebes
How much is the optional rider? And what does it mean?
Sorry I'm not health insurance savvy.
I pay $16/month for GHI with rider.
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| Posted 8/23/14 7:10 AM |
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MrsPetro2B
LIF Infant
Member since 9/08 344 total posts
Name:
A
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Re: NYC teachers, talk to me about insurance.
If you go with HIP find out if you are going to need referrals. They are generally and HMO not a PPO like GHI so they may be within the Emblem family but have different rules. For me, who sees specialist often, that's a huge pain that I don't have to worry about. Ask around your school and maybe your union rep (if they're knowledgable about it) before you choose. Sometimes it's not so much about the money as it is convenience.
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| Posted 8/23/14 4:06 PM |
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LITeachTeach
LIF Infant
Member since 7/11 140 total posts
Name:
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Re: NYC teachers, talk to me about insurance.
The HIP Prime HMO, which is one of two "free choices" from the city, does require referrals. However, my PCP's office is efficient, so it's not an issue.
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| Posted 8/23/14 10:12 PM |
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Epeebes
Easy Peasy!
Member since 11/07 1428 total posts
Name:
Epeebes
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NYC teachers, talk to me about insurance.
I actually checked the insurance I had from my other job. It was HIP Prime HMO. So basically it would be the same, except I wouldnt have to pay over $400 a month or have a copay. I think I'll stick with HIP. I didn't mind the referrals part, I don't have an issue with that my Drs are good about that stuff.
Thanks everyone for their input!
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| Posted 8/24/14 1:18 AM |
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Re: NYC teachers, talk to me about insurance.
Posted by LITeachTeach
I know I'm in the minority but I recommend HIP. $0 copays for all in-network services. If you have standing appointments like PT you can't beat it!
I left the DOE in 2012 but I had HIP the whole time and was always very happy with it- $0 copays and I always has a great selection of doctors, even when I moved an hour out of the city- finding dentists was a PITA but docs were no problem.
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| Posted 8/24/14 8:56 PM |
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