View Poll Results: Which plan would you choose?

Voters
15. You may not vote on this poll
  • Indemnity.

    0 0%
  • HMO

    1 6.67%
  • PPO

    9 60.00%
  • POS

    0 0%
  • High Deductible HSA Qualified.

    5 33.33%
Page 1 of 3 123 LastLast
Results 1 to 10 of 22

Thread: What is your preferred form of Medical Insurance.

  1. #1
    Pragmatist
    SouthernDemocrat's Avatar
    Join Date
    Jun 2005
    Location
    KC
    Last Seen
    Yesterday @ 08:26 PM
    Gender
    Lean
    Moderate
    Posts
    17,400

    What is your preferred form of Medical Insurance.

    Of the 5 major types of health insurance plans available in the private sector, which one do you prefer for yourself or family. This is assuming that you actually had access through your employer or through the individual market to all 5 types of plans. There are pros and cons to each form of health coverage. Explain your reasoning for your choice.

    1. Indemnity.

    2. HMO - Health Maintenance Organization

    3. POS - Preferred Provider Organization

    4. PPO - Point of Service

    5. High Deductible coupled with HSA - HSA Qualified Plan.
    Last edited by WI Crippler; 03-30-10 at 07:09 PM. Reason: Removal of link due to possible trojan
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

  2. #2
    Doesn't go below juicy
    tacomancer's Avatar
    Join Date
    Jan 2010
    Location
    Cleveland
    Last Seen
    05-20-16 @ 02:42 PM
    Gender
    Lean
    Other
    Posts
    31,781

    Re: What is your preferred form of Medical Insurance.

    Whatever is cheapest for me after all expenses and premiums.

  3. #3
    Pragmatist
    SouthernDemocrat's Avatar
    Join Date
    Jun 2005
    Location
    KC
    Last Seen
    Yesterday @ 08:26 PM
    Gender
    Lean
    Moderate
    Posts
    17,400

    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by megaprogman View Post
    Whatever is cheapest for me after all expenses and premiums.
    Well that would usually be an HMO, but it is also the most restrictive.
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

  4. #4
    Banned Goobieman's Avatar
    Join Date
    Feb 2006
    Last Seen
    03-22-15 @ 02:36 PM
    Gender
    Lean
    Very Conservative
    Posts
    17,343

    Re: What is your preferred form of Medical Insurance.

    My current plan is a voluntary-contributiuon HSA from which the first $X of any and all medical expenses are paid. After that $X, everything is covered by the plan.

    There is no premium, just an elective amount contributed to the HSA each month. It is offered thru the state university where my wife teaches.

    Its perfect, IMHO.

  5. #5
    Sage
    Caine's Avatar
    Join Date
    Sep 2005
    Last Seen
    10-05-17 @ 01:21 PM
    Gender
    Lean
    Independent
    Posts
    23,336

    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by SouthernDemocrat View Post
    Of the 5 major types of health insurance plans available in the private sector, which one do you prefer for yourself or family. This is assuming that you actually had access through your employer or through the individual market to all 5 types of plans. There are pros and cons to each form of health coverage. Explain your reasoning for your choice.

    1. Indemnity.

    2. HMO - Health Maintenance Organization

    3. POS - Preferred Provider Organization

    4. PPO - Point of Service

    5. High Deductible coupled with HSA - HSA Qualified Plan.

    A decent explanation of how the different types of plans work is here: Types Of Insurance Overview
    Your link pops up with a Trojan Warning so I'll refrain.
    "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.

  6. #6
    Sage
    lizzie's Avatar
    Join Date
    Oct 2009
    Location
    between two worlds
    Last Seen
    @
    Gender
    Lean
    Libertarian
    Posts
    28,581

    Re: What is your preferred form of Medical Insurance.

    Catastrophic. I am willing to pay for my own physician office visits and drugs, but would like catastrophic in case of an unexpected catastrophic illness or hospitalization.
    "God is the name by which I designate all things which cross my path violently and recklessly, all things which alter my plans and intentions, and change the course of my life, for better or for worse."
    -C G Jung

  7. #7
    King Of The Dog Pound
    Black Dog's Avatar
    Join Date
    Dec 2008
    Location
    South Florida
    Last Seen
    @
    Gender
    Lean
    Centrist
    Posts
    34,489

    Re: What is your preferred form of Medical Insurance.

    Don't click on that link it indeed gives a Trojan warning.
    Quote Originally Posted by Moot View Post
    Benjii likes the protests...he'd be largely irrelevant without them. So he needs to speak where he knows there will be protests against him and that makes him responsible for the protests.
    Quote Originally Posted by Absentglare View Post
    You can successfully wipe your ass with toilet paper, that doesn't mean that you should.

  8. #8
    Banned
    Join Date
    Jul 2005
    Location
    Los Angeles, CA
    Last Seen
    02-16-11 @ 08:57 PM
    Gender
    Lean
    Centrist
    Posts
    36,915
    Blog Entries
    2

    Re: What is your preferred form of Medical Insurance.

    PPO. I like as much control over choosing my provider and options as possible. I had an HMO and everything was a constant struggle with it. I will never have an HMO again.

  9. #9
    Pragmatist
    SouthernDemocrat's Avatar
    Join Date
    Jun 2005
    Location
    KC
    Last Seen
    Yesterday @ 08:26 PM
    Gender
    Lean
    Moderate
    Posts
    17,400

    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by Caine View Post
    Your link pops up with a Trojan Warning so I'll refrain.
    It doesn't for me, weird. One of the mods probably should remove it then.
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

  10. #10
    Pragmatist
    SouthernDemocrat's Avatar
    Join Date
    Jun 2005
    Location
    KC
    Last Seen
    Yesterday @ 08:26 PM
    Gender
    Lean
    Moderate
    Posts
    17,400

    Re: What is your preferred form of Medical Insurance.

    Quote Originally Posted by jallman View Post
    PPO. I like as much control over choosing my provider and options as possible. I had an HMO and everything was a constant struggle with it. I will never have an HMO again.
    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 specialist, 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.
    Last edited by SouthernDemocrat; 03-30-10 at 06:44 PM.
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

Page 1 of 3 123 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •