Quote:
Originally Posted by Peaches
Personally I'd get a high deductible hospital/surgical policy and pay for your check up and tests out of pocket if you're looking to save $$$. If there's ANY HINT that you have pre-existing conditions then a new policy won't cover the tests any way. I had to wait 2 years to get my migraines covered. Since that was really the only medical problem I had, I kept just a basic hospital/surgical policy during those 2 years then upped it to a PPO with a high deductible.
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The hmo has a high deductable and 0 co insurance.. I dont like the idea of coinsurance.. after paying a high deductable do I really want to pay 20% of god knows what.. but its a hmo.. my current doctors are listed