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Poohbah
Member Since Jun 2020
Location: U.S
Posts: 1,443
4 283 hugs
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Sep 17, 2024 at 11:51 AM
#1
I need help with choosing insurance. I am confused. My chiropractor doesn’t accept HMO’s
I only make about $2500 every 2 weeks,. I have until 10/1 to make my decision. Do most places not accept HMO’s? I’d prefer to go to my own doctors The Kaiser HMO is around $700 biweekly The Blue Cross PPO is about $1100. That’s almost half my pay! Crazy! I don’t really understand to much about insurance, so I’m confused. Should I choose a lower or higher deductible too? I’d appreciate any help. |
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Legendary Wise Elder
Member Since Dec 2014
Location: US
Posts: 22,878
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Sep 17, 2024 at 04:17 PM
#2
I’d never go for hmo. Always choose ppo
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Wise Elder
Member Since Apr 2015
Location: US
Posts: 9,628
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Sep 17, 2024 at 05:00 PM
#3
I agree. Always go with PPO.
__________________ Bipolar 1, PTSD, GAD, OCD. Clozapine 250 mg, Emsam 12 mg/day patch, topamax 25 mg, ,Gabapentin 1600 mg & 100-2 PRN,. 1.5 mg clonazepam., 75 mg Seroquel and 12.5 mg PRNx2 daily |
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 jesyka
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Veteran Member
Member Since Aug 2020
Location: LA
Posts: 585
4 299 hugs
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Sep 21, 2024 at 07:33 AM
#4
I agree PPO... but if you can't afford it, perhaps HMO -- I think you can change it during your next open season if you find you can't live with the HMO.
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jesyka
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Magnate
Member Since Mar 2021
Location: California
Posts: 2,803
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Oct 19, 2024 at 09:54 PM
#5
I am always on PPO but I know people who have been with Kaiser for years and happy with it. A close friend had surgery with Kaiser a couple of years ago.
__________________ Bipolar I w/psychotic features Last inpatient stay in 2018 Geodon 40 mg Seroquel 75 mg Gabapentin 1200 mg+Vitamin B-complex (against extrapyramidal side effects) Long term side effects from medications, some of them discontinued: - hypothyroidism - obesity BMI ~ 38 |
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jesyka
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Poohbah
Member Since Jun 2020
Location: U.S
Posts: 1,443
4 283 hugs
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Oct 29, 2024 at 01:24 PM
#6
I chose the PPO Anthem Blue Cross Silver everyone.
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