HMO or PPO? - Chicagoland Sportbikes
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View Poll Results: What you got/want?
HMO 10 31.25%
PPO 22 68.75%
Voters: 32. You may not vote on this poll

 
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post #1 of 22 (permalink) Old 09-26-2012, 01:36 PM Thread Starter
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HMO or PPO?

Curious...

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post #2 of 22 (permalink) Old 09-26-2012, 01:44 PM
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Quote:
Originally Posted by Gone In 3 View Post
Curious...
It will be different based on your individual needs. I have HMO and my wife has a PPO.

Greg

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post #3 of 22 (permalink) Old 09-26-2012, 01:49 PM
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HMO because I'm healthy, it was cheaper and I rarely go to the doctor.

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post #4 of 22 (permalink) Old 09-26-2012, 01:55 PM
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PPO with some HSA shit

<---- Useless Mufugga
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post #5 of 22 (permalink) Old 09-26-2012, 02:08 PM
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Quote:
Originally Posted by noodles View Post
hmo because i'm healthy, it was cheaper and i rarely go to the doctor.
+1
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post #6 of 22 (permalink) Old 09-26-2012, 02:09 PM
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Mateen how do you even get dressed in the morning?

If life was just one big great Garanimal you would be fine

Oh and PPO - Just wait until you get hurt out of state and have to go see a Doc

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post #7 of 22 (permalink) Old 09-26-2012, 02:39 PM
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With all the traveling I do I have a PPO.

Never a bad time to climb... unless the weather is really horrible, and then you climb inside!

I bleed GREEN
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post #8 of 22 (permalink) Old 09-26-2012, 03:00 PM
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Hdhp
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post #9 of 22 (permalink) Old 09-26-2012, 03:25 PM
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PPO because I chose which doctors my kids go to.

If you have any kind of medical condition, the choice is relatively simple.

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post #10 of 22 (permalink) Old 09-26-2012, 03:34 PM
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PPO at the moment. Not looking forward to the new healthcare election choices we have to make next month from what our employer is offering. It looks like monthly contributions are going to be 2-3x what they are now AND there's going to be something ridiculous like a $2500 deductible. WTF???

Welcome to the new affordable healthcare so that everyone has healthcare
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post #11 of 22 (permalink) Old 09-26-2012, 03:37 PM
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Quote:
Originally Posted by Ernie View Post
PPO at the moment. Not looking forward to the new healthcare election choices we have to make next month from what our employer is offering. It looks like monthly contributions are going to be 2-3x what they are now AND there's going to be something ridiculous like a $2500 deductible. WTF???

Welcome to the new affordable healthcare so that everyone has healthcare

<---- Useless Mufugga
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post #12 of 22 (permalink) Old 09-26-2012, 03:44 PM
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Ernie, is that $2500 ded. for single of family coverage. Our employer went $2500 for single and $5000 for family last year. That kind of stung.

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post #13 of 22 (permalink) Old 09-26-2012, 03:59 PM
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post #14 of 22 (permalink) Old 09-26-2012, 04:11 PM
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Swt

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I agree completely with Steve (nouseforaname)
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post #15 of 22 (permalink) Old 09-26-2012, 07:11 PM
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ǝɹoɯʎuɐ ʞɔnɟ ɐ sǝʌıƃ oɥʍ
 
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Quote:
Originally Posted by Chills View Post
With all the traveling I do I have a PPO.
Plus +1 we my good only offers BCBS PPO for this exact reason

go time traveler style and go back in time, fuck his grandma, then shoot forward in time and then fuck his mom. Then return back to present state and call him a the product of two incest whores and hes your son and show video of you plowing the both members of his family. .
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post #16 of 22 (permalink) Old 09-27-2012, 01:23 AM
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BCBS HMO
Never had an issue seeing whatever doc I needed or changing doctors if I chose to.
Covers just about everything for $10 a visit. No complaints here.

Oh yeah, and $75 for ER visits isn't too bad. Even with my disaster area children. Lol

Last edited by grumpy400; 09-27-2012 at 01:26 AM.
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post #17 of 22 (permalink) Old 09-27-2012, 08:15 AM
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Quote:
Originally Posted by grumpy400 View Post
BCBS HMO
Never had an issue seeing whatever doc I needed or changing doctors if I chose to.
Covers just about everything for $10 a visit. No complaints here.

Oh yeah, and $75 for ER visits isn't too bad. Even with my disaster area children. Lol
I miss the BCBS HMO, now all we get is Aetna, not thrilled.

Greg

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post #18 of 22 (permalink) Old 09-27-2012, 08:37 AM
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Quote:
Originally Posted by Ernie View Post
PPO at the moment. Not looking forward to the new healthcare election choices we have to make next month from what our employer is offering. It looks like monthly contributions are going to be 2-3x what they are now AND there's going to be something ridiculous like a $2500 deductible. WTF???

Welcome to the new affordable healthcare so that everyone has healthcare
Many insurers are using the new healthcare laws as a scapegoat to push premiums up. Our rates went up about 43% a few years ago and seem to jump 10%-15%+ each year since; this was way before the healthcare laws came about. Now they just have a scapegoat. Other reasons employees are paying more is that some companies are pulling back on their contributions. Kinda shitty but unless people are willing to quit their job over it (stupid) I do not see that happening, it will probably continue until employers have to compete for talent more. Believe me, employers would love if everyone just got their own insurance or if their was some sort of single payer in which they would not have to be bothered with. The amount of time our place spends each year around renewal time is insane.

Under200
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post #19 of 22 (permalink) Old 09-27-2012, 09:01 AM
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Quote:
Originally Posted by gsd656 View Post
I miss the BCBS HMO, now all we get is Aetna, not thrilled.
I've had Aetna for years and haven't had a problem with them.

Never a bad time to climb... unless the weather is really horrible, and then you climb inside!

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post #20 of 22 (permalink) Old 09-27-2012, 09:07 AM
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Quote:
Originally Posted by Chills View Post
I've had Aetna for years and haven't had a problem with them.
Knock on wood I've been ok with them so far, just seems the BCBS HMO was a little more robust. But that could be just because my employer decided on the plans/coverage they did. Did not mean to disparage Aetna.

Greg

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post #21 of 22 (permalink) Old 09-27-2012, 09:12 AM
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Quote:
Originally Posted by gsd656 View Post
Knock on wood I've been ok with them so far, just seems the BCBS HMO was a little more robust. But that could be just because my employer decided on the plans/coverage they did. Did not mean to disparage Aetna.
No worries, I didn't take it that way. I was just trying to assuage your fears about the insurer. I've had to see a few specialists and there never was an issue with long wait, or getting permission from Aetna. Plus I haven't had issues with bills being paid or them trying to cop out on paying their share.... knock on wood.

Never a bad time to climb... unless the weather is really horrible, and then you climb inside!

I bleed GREEN
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post #22 of 22 (permalink) Old 09-27-2012, 01:40 PM
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Has anyone ever noticed that gone in 3 always asks questions where the answer depends on at least 25 other variables to get to an answer?

"When in doubt, use full throttle. It may not improve your situation, but it will end the suspense."
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