Hi all. I haven't been on much lately now that I am working in the 9-5 mode in front of a computer, but I am curious and need some input, plus I thought this was a topic we haven't seen in relation to salary issues etc... Sorry if I missed a thread where it was discussed already in advance.
My husband had to re-apply for his job, his job was out-sourced, but they love him, so they insisted he be the one assigned by the new company st the old site. I was finally at a level where I was used to United Health Care, and knew how to get claims paid within the system, etc. Made a few appeals and won, etc... Now, we were forced to enroll in a new plan...and it is yanking my chain big time.
The new company is Blue Sheild on CALIF!! Yes, we live in NJ, so it is a HUGE PITA, all my calls have to be on california time, they request so much paperwork from the docs they are moaning. So, we have considered, now that I am staying in one place, happily, for a while, we should investigate my benefit options.
Here are my dilemmas, and options...
An HMO with Referrals req'd 100% Coverage in-network $50 nper pay (q 2 weeks)
A PPO with 100 % cov in network, 70/30 otherwise, $65 per pay & still need referrals
A POS where I can go anywhere in or out of network, lower office vist co-pays, etc... NO REFERRALS...........$145 per pay!!!!
So, for the first time, we are considering going to the HMO plan. Hubby's POS plan is $65 per pay, also q 2 weeks, also no referrals. BUT it's the California hassle. The paperwork dust is about settled, so cost-wise, unless I choose the HMO, we really can't afford those kinds of deductions, and maybe we should just stay w the California vs. NJ hassle.
For those of you who do the HMO Route, how much of a PITA is the getting referrals process?? All of our docs are in-network, so we figured why not try it??
And, how much, approx, are your deductions? For what kind of plan? What hassles do you have?
Isn't it a sin, that as healthcare workers we get so screwed w health benefits?? And, I am ashamed to say I work for a major health plan myself, and those are my deductions!! We get less of a break than the average employee in the workforce other than Health Care workers that is.