Quote:
Originally Posted by baddog
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.
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Yep, that's the major determining factor - obviously no one knows what *might* happen, but I had HMO coverage for years and it was more than fine. It sounds like you don't need anything more than an HMO, and you're fortunate for that. And it sounds like Epitome can help you sort out the confusing plans and prices, which can drive you nuts. (My insurance broker didn't even find the plan that we're on now, I found it myself and then he told me what a great just I did
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We just have a situation where a Cadillac plan is a necessity since we know in advance that our medical costs are enormous (Mrs. Smoke is disabled and has several difficult/rare medical conditions where we need to see "the best" specialist in each field, and she's on 16 different meds that cost a ton of money). I'm just hoping that if there's someone unfortunate enough to be in a similar situation, knowing that there are plans that can save them a lot of money can help them out.
(Our family plan is $842/month for three of us, two adults and one child - the way we set it up, though, is that it's based on my wife as the primary member - since the pricing is largely based on age and she's a lot younger than me, that's one reason we ended up doing so well with this plan. Our previous plan was almost $1700/month.)