HMO or PPO - Chicagoland Sportbikes
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post #1 of 11 (permalink) Old 09-28-2006, 08:51 PM Thread Starter
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HMO or PPO

I was wandering how big of an advantage is to have PPO insurance paying for track related injuries. I'm in HMO and to tell the truth do not have a lot of confidence in the docs there, especially treating specific cases typical for track get offs.

Please share your experience !

Thanks!
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post #2 of 11 (permalink) Old 09-28-2006, 09:05 PM
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Quote:
Originally Posted by Jughead
having to pay 20% sucks = ppo

pre-existing condition - ppo

HMO - going to emergency room - better call doctors office for approval asap(within 48 hrs) otherwise pay 100%
I have Blue Cross and Blue shield. No 20% just a $500 deductible. I think if you have the money (for me it was a $30 a month difference) a PPO is the way to go. No questions asked I want to be able to find the best doctor and have him treat me. Also the companies matter. My wife has Humana and they are a pain to deal with.
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post #3 of 11 (permalink) Old 09-28-2006, 09:44 PM
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I got PPO, all my docs are @ Northwestern, no complaint but am in the same boat as you for next season. At least I have the best working on me!
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post #4 of 11 (permalink) Old 09-28-2006, 11:10 PM
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Quote:
Originally Posted by leavundst
I have Blue Cross and Blue shield. No 20% just a $500 deductible. I think if you have the money (for me it was a $30 a month difference) a PPO is the way to go. No questions asked I want to be able to find the best doctor and have him treat me. Also the companies matter. My wife has Humana and they are a pain to deal with.
+1
I have PPO and $500 deductible as well. Regular doctors visits are like $20 copay. I think it's the only way to go.
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post #5 of 11 (permalink) Old 09-29-2006, 12:20 AM
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i pay $20 a month and get all the free soft core porn i want on showtime...you guys need to check out all the other options!

i have PPO at work. our company merged with a larger company, which screwed me out of my beloved blue cross/blue shield, but i still pay next to nothing for awesome insurance
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post #6 of 11 (permalink) Old 09-29-2006, 12:24 AM
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Quote:
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i pay $20 a month and get all the free soft core porn i want on showtime...you guys need to check out all the other options!
You actually PAY for porn!??! Shame on you


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post #7 of 11 (permalink) Old 09-29-2006, 07:53 AM
 
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Quote:
Originally Posted by leavundst
I have Blue Cross and Blue shield. No 20% just a $500 deductible. I think if you have the money (for me it was a $30 a month difference) a PPO is the way to go. No questions asked I want to be able to find the best doctor and have him treat me. Also the companies matter. My wife has Humana and they are a pain to deal with.
yup, yup

HMO = not as many doctors to chose from, long process to see any kind of specialist, more pain than it's worth

PPO = you pay for it but you can pretty much chose any doctor and go to ay specialist without having to get "permission" first
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post #8 of 11 (permalink) Old 09-29-2006, 08:03 AM
 
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I have to have a PPO but I also work for Advocate so I just pay my $250 deductable. Insurance pays 80% and the company writes off the rest.
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post #9 of 11 (permalink) Old 09-29-2006, 08:10 AM Thread Starter
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Quote:
Originally Posted by meech
yup, yup
...
PPO = you pay for it but you can pretty much chose any doctor and go to ay specialist without having to get "permission" first
Yes , but isn't that just a buracratic step that can be settled over the phone ?

In general I do aggree about PPO assessment. In fact , looks like I'm going to switch to PPO and ( hopefully ) never learn how good of a decision it was .
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post #10 of 11 (permalink) Old 09-29-2006, 08:19 AM
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Quote:
Originally Posted by DieselBoy
Yes , but isn't that just a buracratic step that can be settled over the phone ?

In general I do aggree about PPO assessment. In fact , looks like I'm going to switch to PPO and ( hopefully ) never learn how good of a decision it was .
I haven't looked at these in years. I usually pick the PPO, I just don't want to be another HMO horror story. I'm a typical guy, if I go to the doctor, I'm probably in an ambulance or about to die. Why don't they have insurance options for me?

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post #11 of 11 (permalink) Old 09-29-2006, 08:52 AM
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Quote:
Originally Posted by crjBeez
i pay $20 a month and get all the free soft core porn i want on showtime...you guys need to check out all the other options!

i have PPO at work. our company merged with a larger company, which screwed me out of my beloved blue cross/blue shield, but i still pay next to nothing for awesome insurance
Quick derail. That's just not natural, it's like going fishing to one of those ponds that are full to the brim with fish. Porn should be hunted wild in it's natural internet enviroment and for free.
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