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View Diary: SOB cancelled our health ins (241 comments)

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  •  Generally speaking (2+ / 0-)
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    james321, terabytes

    if I want to see  specialists, it isn't that hard to make it happen.

    I call or email my primary and tell him what I want and the appointment center calls me to make arrangements. Or the arrangements are made the same day when I visit the primary, or specialist, before I leave.

    If I want to see a particular specialist, it is rarely more than a couple of weeks before the appt. More often it's my schedule rather than theirs that is the problem.

    And if it's something that's really requires more, they will refer to drs who are outside of the HMO.

    I have no co-pay for lab work or imaging, $20 for dr. visits (sometimes zero under certain circumstances), and very reasonable Rx co-pays. Sometimes less than $10 for 90 days worth.

    ER visits without being admitted to the hospital, $50. If admitted, zero.

    They pay for ambulance service to another hospital, even if it's out of the area, as one situation I had required.

    It IS possible for an HMO to function well and simply, no matter what people who have little or no experience of one say.

    Also, my employer pays more of the premium than I do, and I will have the coverage even after I retire, if I ever do.

    All I want to know is, why doesn't everybody have at least as good as I do? It isn't fair.

    I must be dreaming...

    by murphy on Sat Dec 01, 2012 at 01:19:38 PM PST

    [ Parent ]

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