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BCBS PPO v/s HMO

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In a message dated 8/26/2000 9:23:51 PM Eastern Daylight Time,

MLHansen11@... writes:

<< My Mom and I both work for the same agency and both have BCBS. She

has the HMO and I have the PPO. We both finished our packets for Dr.

R. and had them approved. We had everything ready except insurance

approval. This all began in March. I was approved right away and

had my surgery on August 9th. My Mom is still fighting her

insurance. >>

Wow, so many different responses, I don't know what to do! Aaah! Thanx for

telling your and your mother's story, Michele!

Robin

Wife to Doug

Mommy to Tyler, 4 yrs., and Brennan, 1 yr.

Singer, wife, mom, secretary.. and not in that particular order.

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Hi Robin-

My Mom and I both work for the same agency and both have BCBS. She

has the HMO and I have the PPO. We both finished our packets for Dr.

R. and had them approved. We had everything ready except insurance

approval. This all began in March. I was approved right away and

had my surgery on August 9th. My Mom is still fighting her

insurance. If she can't win by November, she will be switching to

the PPO too. Our agency only lets you switch during one certain week

of the year, otherwise she would have alreday switched to PPO.

Michele (from IL)

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