HMO or POS?

[SagaLore]

😕

$15 copay, or 80% after deductible?

 

[Ameesh]

i would go with the copay

 

[notfred]

The total bill for a simple procedure like getting 3 stitches is over $1000. Do you want to pay 20% of that, or $15?

 

[Anubis]

15$ copay

when i went to the emergency room last year when i was really sick. they put me on an IV and did some blood work. Bill was over 4000$ we paied like 50$ cause of copay stuffs

you really wanna be paying 20% of 4000$ of just 50$

 

[Ameesh]

well i'm gonna put a stipulation on it, if you are one of these people who have all kinds of illnessses and love going to the doctor and crap like that get the ppo cause the hmo wont let you do that as much you would like without jumping through hoops. for instance if you have stubbed your toe and you want to see an orthopedic specialist cause you are neurotic ppo is for you.

 

[Hoober]

POS, though, generally has a larger collection of doctors. You don't have to get consent from your Primary Care Physician to see a specialist if you think you need to see a specialist. Of course, that means you have to pay more, but it sometimes provides better medical coverage.

On the other hand, if you have a great HMO then you don't have much to worry about. It depends on what you want and how good your HMO is.

 

[crumpet19]

My HMO is a POS.
Figure it out.

 

[thebestMAX]

HMO is a NONO.

I have first hand experience and will NEVER belong to an HMO again!

 

[Hoober]

Originally posted by: thebestMAX
HMO is a NONO.

I have first hand experience and will NEVER belong to an HMO again!

I had the choice between an HMO and PPO. Presently, I'm very happy with my HMO. Granted, I've never had any catastrophic medical problems, but for day to day things they've been very helpful. My wife and I are about to have a baby, so we'll see how things go with that. So far, though, with all her checkups, we haven't had any problems. She was able to pick the OB that she wanted and our HMO hasn't hassled us about the hospital we chose for the delivery.

YMMV

 

[amnesiac]

Originally posted by: thebestMAX
HMO is a NONO.

I have first hand experience and will NEVER belong to an HMO again!

...and for every one of you there's a dozen satisfied HMO members.

It's all a personal choice. If you are going to limit yourself to a certain area, don't get sick much, and don't care about freedom of choice when going to a doctor, HMO is fine. Net cost is much less.

If you travel, prefer to make appointments with specialists yourself, or have a recurring condition, then PPO is for you.