Quote:
Originally Posted by MikeSmoke
Well the program I found is a PPO (which we need) and it doesn't sound like the kind of thing you're looking for.
This program basically costs us a total of $13K out of pocket a year and everything after that is free; but before this we were paying $18K+ just for premiums, and then everything else had copays that added up to a minimum of another $10K+ a year. So this was a godsend for us; but obviously not for lots of people; it's basically for people with tons of medical expenses.
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Yeah, that is the thing about the PPO vs the HMO options. I haven't spent one year's deductible in the last 20 years combined. I don't have a problem being referred by a primary care physician. If I ever decided to visit a doctor I guess a regular GP is where I would head anyway.