Insurance opinion needed ASAP

[Guest guest]

Ok, if you had a choice of the following plans which would you go with and

why...have to pick our new provider by the 14th

BlueChoice(Blue Cross/Blue Shield)

Cigna

Kaiser

United HealthCare

I know I have heard time and again not to go with Kaiser, which I am confused

about since they look good on paper(yes, I know looks can be deceiving, lol) so,

what do ya'll think? who have you dealt with in the past and who do you deal

with now...all input would be very helpful!!!!!

Missy in AL

wife, mother, homesteader, writer, student, teacher, dreamer

[Guest guest]

What type of plan? PPO, POS, HMO. We have cigna PPO and it's not bad. We pay

$15 for doctor visits and 20% of everything else after $350 deductable and your

$15 visits count towards that deductable.

The boys have blue cross and blue sheild and I could take them or leave them.

Insurance opinion needed ASAP

Ok, if you had a choice of the following plans which would you go with and

why...have to pick our new provider by the 14th

BlueChoice(Blue Cross/Blue Shield)

Cigna

Kaiser

United HealthCare

I know I have heard time and again not to go with Kaiser, which I am confused

about since they look good on paper(yes, I know looks can be deceiving, lol) so,

what do ya'll think? who have you dealt with in the past and who do you deal

with now...all input would be very helpful!!!!!

Missy in AL

wife, mother, homesteader, writer, student, teacher, dreamer

[Guest guest]

That part I am not sure of..on our list to chose on they all read

BlueChoice Family

BlueChoiceCCO

all of them have it like that and I have no clue what CCO means other than there

is a $100 a month price difference..youch

Missy

Insurance opinion needed ASAP

Ok, if you had a choice of the following plans which would you go with and

why...have to pick our new provider by the 14th

BlueChoice(Blue Cross/Blue Shield)

Cigna

Kaiser

United HealthCare

I know I have heard time and again not to go with Kaiser, which I am

confused about since they look good on paper(yes, I know looks can be deceiving,

lol) so, what do ya'll think? who have you dealt with in the past and who do you

deal with now...all input would be very helpful!!!!!

Missy in AL

wife, mother, homesteader, writer, student, teacher, dreamer

[Guest guest]

My sil has Kaiser, says it's not that good. I have experience with BCBS and

Cigna. The coverage depends on what the employer chose. If your kids

require any special care, be sure you don't choose an HMO, unless you want

them to dictate who you see and what you can have done. For us, it would be

a nightmare to have an HMO.

Are the companies you're looking at PPO? I'm assuming you have a book of

Dr.'s that participate in your group? Are your regular doctors in the

group? How do the copays and deductibles compare? The out of pocket cost

for the coverage itself? Compare the maximum out of pocket costs for the

annual coverage.

If you have any specific questions about them, or want to know what else to

check on, let me know.

Sue

[Guest guest]

> BlueChoice Family

> BlueChoiceCCO

> all of them have it like that and I have no clue what CCO means other than

there is a $100 a month price difference..youch

> Missy

Read through the paper work for what it stands for, or call the person in

benefits and ask them what the difference is. They should be more than

willing to help you.

Sue

[Guest guest]

I have had Kaiser, United Healthcare and BlueCross/Blue Shield. As an insurance

claims and billing specialist, I would say that United Healthcare is the lesser

of the 4 evils. As the Mom of a special needs child, I would honestly pick

Kaiser. I know, as you've said, they have a lot of " bad press " but I never had

a problem with them for Evan.

Good luck!!

Debbie E

============================================================

Date: 2003/05/12 Mon PM 09:23:36 EDT

To: " PA " <parenting_autism >

Subject: Insurance opinion needed ASAP

============================================================

[Guest guest]

Missy,

I told you

Cigna if you can get the PPO. I wouldn't do their HMO. No one takes it.

Georga

Visit my new web page at www.ubahbookshelf.com

This tag line space for rent.

Insurance opinion needed ASAP

> Ok, if you had a choice of the following plans which would you go with and

why...have to pick our new provider by the 14th

> BlueChoice(Blue Cross/Blue Shield)

> Cigna

> Kaiser

> United HealthCare

> I know I have heard time and again not to go with Kaiser, which I am

confused about since they look good on paper(yes, I know looks can be

deceiving, lol) so, what do ya'll think? who have you dealt with in the past

and who do you deal with now...all input would be very helpful!!!!!

> Missy in AL

> wife, mother, homesteader, writer, student, teacher, dreamer

>

>

[Guest guest]

I've heard Cigna is good.

> Ok, if you had a choice of the following plans which would you go

with and why...have to pick our new provider by the 14th

> BlueChoice(Blue Cross/Blue Shield)

> Cigna

> Kaiser

> United HealthCare

> I know I have heard time and again not to go with Kaiser, which I

am confused about since they look good on paper(yes, I know looks can

be deceiving, lol) so, what do ya'll think? who have you dealt with

in the past and who do you deal with now...all input would be very

helpful!!!!!

> Missy in AL

> wife, mother, homesteader, writer, student, teacher, dreamer

>

>

[Guest guest]

Aside from comparing rates, deductibles, etc., do you know what kind of

services you'd like to access via your insurance? For instance, if you want

your child to receive speech therapy, you might want to compare the number of

visits/hours per year each insurer offers, etc.

-BJ in polis, MD

[Guest guest]

For us, it would be

> a nightmare to have an HMO.

I'll second this.

Salli

[Guest guest]

Don't talk to me about HMO's.

UGH!

Georga

Visit my new web page at www.ubahbookshelf.com

This tag line space for rent.

Re: Insurance opinion needed ASAP

> For us, it would be

> > a nightmare to have an HMO.

>

>

> I'll second this.

>

> Salli

>

>

>

>

>

>

>

[Guest guest]

I have had reasonable luck with Blue Cross PPO. They actually covered ST.

(SAHM in GA)

Chat! MSN elizabethloht@...

n 34, mo, no formal dx

Phoebe, 3 mo

Insurance opinion needed ASAP

> Ok, if you had a choice of the following plans which would you go with and

why...have to pick our new provider by the 14th

> BlueChoice(Blue Cross/Blue Shield)

> Cigna

> Kaiser

> United HealthCare

> I know I have heard time and again not to go with Kaiser, which I am

confused about since they look good on paper(yes, I know looks can be

deceiving, lol) so, what do ya'll think? who have you dealt with in the past

and who do you deal with now...all input would be very helpful!!!!!

> Missy in AL

> wife, mother, homesteader, writer, student, teacher, dreamer

>

>