View Poll Results: Which plan would you choose?

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  • Indemnity.

    0 0%
  • HMO

    1 6.67%
  • PPO

    9 60.00%
  • POS

    0 0%
  • High Deductible HSA Qualified.

    5 33.33%
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Thread: What is your preferred form of Medical Insurance.

  1. #11
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    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by SouthernDemocrat View Post
    Currently I have a PPO. I have had an HMO before as well. The PPO does give you more choice on physicians, and you don't need a referral from your primary care physician to see a referral, but on balance I liked the HMO I had better.

    The reason being is that with the PPO we are constantly running into large copays with the kids when they break an arm or get their tonsils out and so on. With an HMO, there were small copays, no coinsurance, and no deductible. To me, having an HMO just gave me one less thing to worry about in life.
    To me, having the HMO just restricted any kind of procedures. It was a constant fight to get them to approve anything. I went 4 months with an impacted tooth because they refused to understand that pulling it into place was more than just cosmetic. (I lost my last baby tooth after the age of 30 and the adult tooth had impacted beneath it).

    And try getting approval for anything remotely considered "holistic". When I was dealing with my major illness, it was like they stalled approving everything in hopes that I would just go ahead and die so they would get out of paying anything.

    It was not cool. I don't have this problem with my PPO now. I would rather have the higher copays and deductibles, etc.

  2. #12
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    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by jallman View Post
    To me, having the HMO just restricted any kind of procedures. It was a constant fight to get them to approve anything. I went 4 months with an impacted tooth because they refused to understand that pulling it into place was more than just cosmetic. (I lost my last baby tooth after the age of 30 and the adult tooth had impacted beneath it).
    Maybe its different in California, but under any plan I was under, dental procedures of any kind were subject to a 500 dollar deductible, 20% copay, and a 1000 to 1500 dollar calendar year limit. That has always been the same for me regardless of what kind of plan I had.

    And try getting approval for anything remotely considered "holistic". When I was dealing with my major illness, it was like they stalled approving everything in hopes that I would just go ahead and die so they would get out of paying anything.
    You have a PPO that will pay for holistic treatments?
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

  3. #13
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    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by SouthernDemocrat View Post
    You have a PPO that will pay for holistic treatments?
    If it is from a licensed MD, yes.

  4. #14
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    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by SouthernDemocrat View Post
    It doesn't for me, weird. One of the mods probably should remove it then.
    Moderator's Warning:
    What is your preferred form of Medical Insurance. Link removed
    "Loyalty only matters when there's a hundred reasons not to be-" Gen. Mattis

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    Re: What is your preferred form of Medical Insurance.

    HMO's shift too much of the financial risk on providers, so I don't favor them. It restricts choice for the individual, and creates a situation where the healthcare provider is only getting x amount of dollars(based on number of enrollees) for service, instead of taking into account services they use.

    PPO's or HSA's are the way to go IMO. HSA's may not be great for everyone, but its the most beneficial if you can do it. Point of service is ok for small things like vaccines and what not, but for major medical issues, its highly impractical.
    "Loyalty only matters when there's a hundred reasons not to be-" Gen. Mattis

  6. #16
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    fyi Re: What is your preferred form of Medical Insurance.

    One that has NO government meddling in it.

  7. #17
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    Re: What is your preferred form of Medical Insurance.

    None of the above.
    I'd prefer that all of the insurance companies go under.
    Then, install a German or French style health care system and of course, increase the federal social security taxes.
    The bottom line will end up being less for most Americans, and the wealthy will, at long last, have to pay their fair share.
    And this is why the conservatives are so against HCR(health care reform).

  8. #18
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    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by ronpaulvoter View Post
    One that has NO government meddling in it.
    Without this "so called meddling", conditions would be horrendous for the average American.
    Just think how horrible things were in the 16th century, or even the 1930s.

  9. #19
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    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by earthworm View Post
    None of the above.
    I'd prefer that all of the insurance companies go under.
    Then, install a German or French style health care system and of course, increase the federal social security taxes.
    The bottom line will end up being less for most Americans, and the wealthy will, at long last, have to pay their fair share.
    And this is why the conservatives are so against HCR(health care reform).
    Wait...the wealthy's "fair share" is to pay for their own medical care. What do you think the wealthy's "fair share" is supposed to be?

  10. #20
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    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by earthworm View Post
    None of the above.
    I'd prefer that all of the insurance companies go under.
    Then, install a German or French style health care system and of course, increase the federal social security taxes.
    The bottom line will end up being less for most Americans, and the wealthy will, at long last, have to pay their fair share.
    And this is why the conservatives are so against HCR(health care reform).
    Do wealthy people use more medical services?
    "I condemn the ideology of White Supremacy and Nazism. They are thugs, criminals, and repugnant, and are against what I believe to be "The American Way" "
    Thus my obligatory condemnation of White supremacy will now be in every post, lest I be accused of supporting it because I didn't mention it specifically every time I post.

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