Re: Re. PPO vs. HMO - NOTE!

[Guest guest]

Mia,

Blue Cross is even more infomous than Aetna at denying claims for DS

by stating that it is " investigational " . This misconception of some

2 bit insruance doctor is something that I (along with many others)

am working to overturn. Read my " Aetna Letter " in the files section

under " Hull's Folder " .

Be prepared to fight and " Stand up for your right "

Hull

> > Re. Hull's statement: " You chances are better with a PPO

than

> an HMO

> > since the network is much bigger and you can go directly to any

in-

> network

> > suregon. "

> >

> > I would agree with that but only to a point. Rememer that PPO

> > authorizations go directly to the insurance company panel, where

> HMOs are

> > often managed by a medical gruop which makes the decisions.

> Usually if the

> > medical group is behind you it is my understanding that your

> chances are

> > better.

> >

> > Of course this means you have to be within geographical distance

> (30 miles

> > usually) of the medical group and the doctor a part of the

network

> in that

> > medical group.

> >

> > I have known people turned down with PPOs simply because it's

> easier to

> > turn these folks down, since they are mostly on their own.

> HOwever, it

> > depends on the insurance company -- some are great, some are bad -

-

> like

> > Blue Cross PPO.

> >

> > ===============================

> > Hawkins

> > netmaker2@y...

> >

> > ===============================

> >

> > " Those who can't laugh at themselves leave others to do the

job! "