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jesyka
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Default 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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divine1966
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Default Sep 17, 2024 at 04:17 PM
  #2
I’d never go for hmo. Always choose ppo
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BeyondtheRainbow
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Default Sep 17, 2024 at 05:00 PM
  #3
I agree. Always go with PPO.

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NatalieJastrow
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Default 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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