HMO or PPO

[Giggles]

I ALWAYS take the PPO options cause I DO NOT want to be in a position where my CF clinic goes out of the network and then I am SOL. HMO's have NO out of network benefit and I never want to run into a scenario that my clinic, doctors and hospital drop out of the network and then with an HMO you have no coverage but with a PPO you can go out of the network if you had to and still have coverage. Granted, at a lower level but still coverage. HMO you pay 100% cause there is no out of network. I personally would NEVER pick an HMO due to the fact of the above happening and having to go out of network would be completely cost prohibited.

Jennifer 36 years old with CF and CFRD

 

[Giggles]

I ALWAYS take the PPO options cause I DO NOT want to be in a position where my CF clinic goes out of the network and then I am SOL. HMO's have NO out of network benefit and I never want to run into a scenario that my clinic, doctors and hospital drop out of the network and then with an HMO you have no coverage but with a PPO you can go out of the network if you had to and still have coverage. Granted, at a lower level but still coverage. HMO you pay 100% cause there is no out of network. I personally would NEVER pick an HMO due to the fact of the above happening and having to go out of network would be completely cost prohibited.

Jennifer 36 years old with CF and CFRD

 

[Giggles]

I ALWAYS take the PPO options cause I DO NOT want to be in a position where my CF clinic goes out of the network and then I am SOL. HMO's have NO out of network benefit and I never want to run into a scenario that my clinic, doctors and hospital drop out of the network and then with an HMO you have no coverage but with a PPO you can go out of the network if you had to and still have coverage. Granted, at a lower level but still coverage. HMO you pay 100% cause there is no out of network. I personally would NEVER pick an HMO due to the fact of the above happening and having to go out of network would be completely cost prohibited.

Jennifer 36 years old with CF and CFRD

 

[Giggles]

I ALWAYS take the PPO options cause I DO NOT want to be in a position where my CF clinic goes out of the network and then I am SOL. HMO's have NO out of network benefit and I never want to run into a scenario that my clinic, doctors and hospital drop out of the network and then with an HMO you have no coverage but with a PPO you can go out of the network if you had to and still have coverage. Granted, at a lower level but still coverage. HMO you pay 100% cause there is no out of network. I personally would NEVER pick an HMO due to the fact of the above happening and having to go out of network would be completely cost prohibited.

Jennifer 36 years old with CF and CFRD

 

[Giggles]

I ALWAYS take the PPO options cause I DO NOT want to be in a position where my CF clinic goes out of the network and then I am SOL. HMO's have NO out of network benefit and I never want to run into a scenario that my clinic, doctors and hospital drop out of the network and then with an HMO you have no coverage but with a PPO you can go out of the network if you had to and still have coverage. Granted, at a lower level but still coverage. HMO you pay 100% cause there is no out of network. I personally would NEVER pick an HMO due to the fact of the above happening and having to go out of network would be completely cost prohibited.
<br />
<br />Jennifer 36 years old with CF and CFRD

 

[serendipity730]

I also have a PPO. I honestly never really looked into an HMO plan. I was on my parents insurance for many years - Blue Cross Personal choice, which is one of the best PPO's out there (in my opinion). Now, I have an Aetna "POS", which is similar to a PPO. My main complaint is high copays for meds. I think that, with an HMO, needing referrals would get old quickly.

 

[serendipity730]

I also have a PPO. I honestly never really looked into an HMO plan. I was on my parents insurance for many years - Blue Cross Personal choice, which is one of the best PPO's out there (in my opinion). Now, I have an Aetna "POS", which is similar to a PPO. My main complaint is high copays for meds. I think that, with an HMO, needing referrals would get old quickly.

 

[serendipity730]

I also have a PPO. I honestly never really looked into an HMO plan. I was on my parents insurance for many years - Blue Cross Personal choice, which is one of the best PPO's out there (in my opinion). Now, I have an Aetna "POS", which is similar to a PPO. My main complaint is high copays for meds. I think that, with an HMO, needing referrals would get old quickly.

 

[serendipity730]

I also have a PPO. I honestly never really looked into an HMO plan. I was on my parents insurance for many years - Blue Cross Personal choice, which is one of the best PPO's out there (in my opinion). Now, I have an Aetna "POS", which is similar to a PPO. My main complaint is high copays for meds. I think that, with an HMO, needing referrals would get old quickly.

 

[serendipity730]

I also have a PPO. I honestly never really looked into an HMO plan. I was on my parents insurance for many years - Blue Cross Personal choice, which is one of the best PPO's out there (in my opinion). Now, I have an Aetna "POS", which is similar to a PPO. My main complaint is high copays for meds. I think that, with an HMO, needing referrals would get old quickly.