Guest guest Posted December 12, 2000 Report Share Posted December 12, 2000 HMOs cover the basic stuff like childbirth and tubeals but weird stuff like NF, there is Was a problems. At least for me. -Lori:) DOINK , DOINK!!! Add this Re: HMO vs PPO What doesn't it pay for Rhonda? Anything important? Carol becvar wrote: Crew- Help! Our company is going through open enrollment for group health insurance. Before NF2 I always went with the PPO for freedom to choose which doctor we saw. However, since has had two surgeries this year and will have another in January as well as radiation for 5 weeks, I am having a hard time deciding which plan to choose. The HMO pays almost everything with no deductible!! All of our doctors are on both the HMO and the PPO (no help there!). I am not sure how well all the PCP/Referrals, etc. would work for us. It sure would save a lot of money, though. Now I know how those Floridians must feel!! Decisions...decisions...decisions!! Any advice??? I have to turn in my decision by this Friday and my husband says, "you decide". A lot of help he is!! Rhonda Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 15, 2000 Report Share Posted December 15, 2000 Thanks Crew! I think we will choose the PPO. We appreciate your input! From: Ken & Carol Sent: Wednesday, December 13, 2000 7:01 PMTo: NF2_CrewegroupsSubject: Re: HMO vs PPO I think I agree with the others.....PPO. I haven't heard good things about HMO! Sorry.... Carol becvar wrote: It pays zero on anything out of the service area, which is a 44 county area basically in and around Houston. It appears to pay for almost everything else at 100% or with a $15 copay. The referral clerk at the pediatrician's office said she can refer us to any specialist for a max or 3 visits at a time and the referral expires after 3 months. Of course it is up to the insurance company to determine if the referrals are covered expenses or not. I am so torn!!! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 15, 2000 Report Share Posted December 15, 2000 Thanks Crew! I think we will choose the PPO. We appreciate your input! From: Ken & Carol Sent: Wednesday, December 13, 2000 7:01 PMTo: NF2_CrewegroupsSubject: Re: HMO vs PPO I think I agree with the others.....PPO. I haven't heard good things about HMO! Sorry.... Carol becvar wrote: It pays zero on anything out of the service area, which is a 44 county area basically in and around Houston. It appears to pay for almost everything else at 100% or with a $15 copay. The referral clerk at the pediatrician's office said she can refer us to any specialist for a max or 3 visits at a time and the referral expires after 3 months. Of course it is up to the insurance company to determine if the referrals are covered expenses or not. I am so torn!!! Quote Link to comment Share on other sites More sharing options...
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