HMO or PPO?

[Guest guest]

Hi everyone.... I realized yesterday that our insurance through my hubby's

work is either BC/BS HMO or PPO... we currently have the HMO, but can upgrade

to the PPO at any time.

What I'm looking for advice from you all is: Should I try first to get the

HMO to approve the MGB, and if they deny me, then upgrade to the PPO and go

for it? As far as pre-existing goes, from what I understand, as long as we

don't go without coverage for any period of time, it doesn't apply... I mean,

if we drop the insurance and a couple weeks later sign up for the PPO, then

the pre-existing stuff would affect us, but as long as we just upgrade, it

doesn't. But I'm not so sure they'd even LET us upgrade after the HMO

declines the surgery as out of network, ya know?

I'm leaning towards just upgrading to the PPO and going through it that way,

then we can switch back to the HMO after the surgery. or maybe not? ugh....

WHAT A MESS! Any advice would be appreciated!! Thanx, as always!

Robin

Wife to Doug

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

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