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donegal419
St. Gerard, pray for us.
Member since 7/07 7650 total posts
Name:
K
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NYC Teachers...HELP!
What insurance plan should DH and I choose? He's a NYC teacher now and I think I am going to give up my plan that i have at my school... i have Empire - United Health Care. . . . i figured why not since I pay almost $200.00 a month and DH pays NOTHING!
GHI or HIP? thoguhts???? who's better? should i just stick with my own plan...
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Posted 11/7/07 10:30 PM  |
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jgl
Love my little boys!!!
Member since 8/07 7060 total posts
Name:
g
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Re: NYC Teachers...HELP!
i just never liked HIP ive heard stories about them over the years and i know from working in a DRs office that they are a PIA
I would go with GHI.
I always had UHC - Empire and loved it. but now that i am in the city i pay extra for BCBS butits referral and i hate that. FH has Empire so when we get married over the summer im going under his so i have have my good HC back 
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| Posted 11/7/07 10:55 PM |
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MissJones
I need a nap!
Member since 5/05 22136 total posts
Name:
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Re: NYC Teachers...HELP!
I hav e GHI cpb (or cbp0 plus the optional rider. So rather than being $0, with the rider it is $80 a month. Nto too bad.
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| Posted 11/8/07 6:26 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: NYC Teachers...HELP!
i have HIP and have had it for 10 years. i LOVE it! never ever had a problem and i've had several surgeries, etc. there's no copay for ANYTHING. it gets a bad rap, but it's much better than anything else i've been offered
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| Posted 11/8/07 6:11 PM |
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SummerMom
Now a mom of 2!
Member since 6/07 4970 total posts
Name:
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Re: NYC Teachers...HELP!
I had GHI. It was great - it's free, and you don't need referrals for anything. Just show up at any doctor's office. And in six years they never disputed any charges or anything and I never had to pay more than my copayment.
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| Posted 11/8/07 7:00 PM |
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Re: NYC Teachers...HELP!
Posted by browneyedgirl
i have HIP and have had it for 10 years. i LOVE it! never ever had a problem and i've had several surgeries, etc. there's no copay for ANYTHING. it gets a bad rap, but it's much better than anything else i've been offered
I have HIP too- it was the pits when you had to use the center doctors, but once they began allowing private practice docs, it got much better. My doctors are wonderful and I've never had a problem with them. There are a lot of doctors who take HIP. I had a baby in March and didn't pay a cent.
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| Posted 11/8/07 7:30 PM |
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donegal419
St. Gerard, pray for us.
Member since 7/07 7650 total posts
Name:
K
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Re: NYC Teachers...HELP!
So there are advantages to both!! i like that there is so co-pays for anything on HIP... but a lot of people like GHI. and some of my doctors take GHI and some take HIP, but all of them aren't on just one.... grrr
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| Posted 11/9/07 8:24 AM |
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Re: NYC Teachers...HELP!
FYI- There has been talk for a while about a GHI/HIP merger.
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| Posted 11/9/07 9:52 AM |
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MegZee
My bunny
Member since 5/06 8777 total posts
Name:
Meaghan
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Re: NYC Teachers...HELP!
we have GHI. It is much better than my insurance i had before i was married (DH is a teacher). im not sure how it compares to the other plans offered to the teachers.
HE said that a co-worker recently had a baby and didn't have to pay anything out of pocket with GHI
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| Posted 11/9/07 11:48 AM |
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Niblet
LIF Adult
Member since 5/07 922 total posts
Name:
Cher
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Re: NYC Teachers...HELP!
Posted by MissJones
I hav e GHI cpb (or cbp0 plus the optional rider. So rather than being $0, with the rider it is $80 a month. Nto too bad.
I absolutely agree w/ Miss Jones
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| Posted 11/9/07 4:23 PM |
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browneyedgirl
family is all that matters
Member since 6/06 6513 total posts
Name:
browneyes
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Re: NYC Teachers...HELP!
Posted by MrsProfessor
Posted by browneyedgirl
i have HIP and have had it for 10 years. i LOVE it! never ever had a problem and i've had several surgeries, etc. there's no copay for ANYTHING. it gets a bad rap, but it's much better than anything else i've been offered
I have HIP too- it was the pits when you had to use the center doctors, but once they began allowing private practice docs, it got much better. My doctors are wonderful and I've never had a problem with them. There are a lot of doctors who take HIP. I had a baby in March and didn't pay a cent.
a lot of people still think you need to go to a center. i've never been to one. my doctors accept many different insurance plans. i never pay a cent for anything.
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| Posted 11/10/07 10:24 AM |
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CmC720
LIF Adolescent
Member since 8/07 868 total posts
Name:
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Re: NYC Teachers...HELP!
I have ghi too!!!
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| Posted 11/10/07 8:07 PM |
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jprimrose
I love my little munchkins!
Member since 10/05 3939 total posts
Name:
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Re: NYC Teachers...HELP!
I would pick GHI over HIP. Personally I chose to go with my own plan. Some doctors, especially specialists have dropped GHI. My husband and I chose to go with CIGNA.
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| Posted 11/10/07 10:11 PM |
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