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07-19-2006, 01:48 PM
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#1 |
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RETIRED
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help me pick a health insurance plan
I have 3 options to choose from:
BlueCare BlueCare Blue Care POS POS Basic Copay Doctor 20 30 20 / 30 (Specialist) Hospital Stay 500 500/4days (6k max) $1500 Deductible ($4500 max family) Out Patient 200 500 ER Copay 100 150 100 Drugs 10-20-30 10-20-30 10-20-30 Here is the cost and your contribution for each plan: BlueCare BlueCare Blue Care POS POS Basic 202.93 234.45 204.71 (50.54) (82.06) (52.32) and I have NO idea what any of this means, or what i should pick... help. |
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07-19-2006, 01:59 PM
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#4 |
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TTIWWOP
Join Date: Dec 2002
Location: 845 Area, NY
Age: 29
Posts: 15,381
iTrader: 0 / 0%
Ride: 90 z6-t hatch, 94 Bagged S10, 91 Lifted Mazda
Rep Power: 411
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something about that makes no sense
the second blue care is shittier coverage but costs more? is that for family or something?? __________________
I'll blow a hole in your face then go inside and sleep like a baby. |
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07-19-2006, 01:59 PM
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#5 |
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The G37....
Join Date: Apr 2003
Location: Washington State
Age: 29
Posts: 9,992
iTrader: 0 / 0%
Ride: Black G37, '07 R6
Rep Power: 266
 
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those aren't spectacular plans, but they are better than nothing. Blue care basic will help you if you are in the hospital for a long period of time. if you don't plan on kidney failure, i would go with the Blue care POS on the left. if you have a history of health problems get the one on the far right. it's kinda like car insurance. you never want to have to use it but the minimums will often cover the minor, daily usage.
__________________
I changed the page layout. let me know what you think. I need feedback. www.obamacies.com |
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07-19-2006, 02:05 PM
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#6 |
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TTIWWOP
Join Date: Dec 2002
Location: 845 Area, NY
Age: 29
Posts: 15,381
iTrader: 0 / 0%
Ride: 90 z6-t hatch, 94 Bagged S10, 91 Lifted Mazda
Rep Power: 411
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the first thing to check is whether your primary doctor is covered...
__________________
I'll blow a hole in your face then go inside and sleep like a baby. |
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07-19-2006, 03:19 PM
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#7 |
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RETIRED
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i had anthem at my old job too, so i'd assume the doctor lists are the same....
i haven't gone to the doctor in like 6 years... but i have made a couple runs to the hospital for cutting fingers off. i don't really care about the money... whats 30 bucks a month? i just don't know what any of it means... is the expensive plan better? they have all different options... i dont know wtf is up |
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07-19-2006, 03:39 PM
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#8 |
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TTIWWOP
Join Date: Dec 2002
Location: 845 Area, NY
Age: 29
Posts: 15,381
iTrader: 0 / 0%
Ride: 90 z6-t hatch, 94 Bagged S10, 91 Lifted Mazda
Rep Power: 411
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not sure if this is what you don't know but i'll explain anyway
the top numbers are not monthly figures, they are per use 20 or 30 every doctor visit 500 bucks for a hospital stay 200 bucks for outpatient surgery/operations/procedures 100 bucks for the ER 10/20/30 is the prescription co pay depending on what tier the drug is on 10 = generic 20 = brand name 30 = special brand name, usually new drugs etc every insurance company has diffrent ways to determine their tier systems usually the more premium you pay the lower your copays are so it doesn't make sense that the more expensive POS plan has higher co-pays you also need to see if there is a basic limit, my job got really shitty insruance this year so they have deductible limits like car insurance they don't cover rx until you spend 250 out of pocket and they don't cover doctor visit till you spend 500 out of pocket and then after you reach the out of pocket limit you still have the copays... yea, my insurance sucks ass __________________
I'll blow a hole in your face then go inside and sleep like a baby. |
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07-19-2006, 03:43 PM
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#9 | |
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Cogito Ergo Sum Steampunk
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"Tell me what to buy" "Tell me what TV to have" "Tell me what to drive" "Choose my health care"
__________________
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07-19-2006, 03:46 PM
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#10 | |
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RETIRED
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Quote:
sorry, but i don't have a "wife" to discuss stuff with... and well, this is the easiest place to talk about things for me. |
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07-19-2006, 03:49 PM
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#11 | |
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The G37....
Join Date: Apr 2003
Location: Washington State
Age: 29
Posts: 9,992
iTrader: 0 / 0%
Ride: Black G37, '07 R6
Rep Power: 266
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Quote:
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I changed the page layout. let me know what you think. I need feedback. www.obamacies.com |
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07-19-2006, 03:50 PM
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#12 |
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Super Moderator
Join Date: Sep 2002
Location: CT
Age: 29
Posts: 4,581
iTrader: 0 / 0%
Ride: 06 Chevy Silverado
Rep Power: 88
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Call your hr department
__________________
Ex 89 crx si,91 & 95 Civic owner. 06 Silverado RCSB 20's, 2/4" Belltech lowering kit, waiting for 2 more cylinders, 1.9 more liters, and 208 more hp engine swap. |
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07-19-2006, 03:52 PM
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#13 | ||||
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RETIRED
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but what about this one? 500/4days (6k max) does that mean i have to pay 500 a day? or is it 500 for 4 days, another 500 for 4 more days, up until i'd been there for 15 days? (4x15 = 6000) what happens after 15 days? It's all out of pocket? what if i go in a coma for a month? I'm fucked? Yes Steve, I'm going to blame Bush if i go in a coma  Quote:
what does POS stand for anyway? Quote:
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07-19-2006, 03:53 PM
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#14 | |
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RETIRED
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07-19-2006, 03:54 PM
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#15 | |
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RETIRED
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there is no hr department. lol there are 4 people here, 3 if you don't count me. the payroll and insurance lady is my boss's wife, who stays at home with the kids and runs payroll twice a month.... |
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07-19-2006, 03:56 PM
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#16 | |
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Cogito Ergo Sum Steampunk
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You're so liberal, that if you do go into a Coma, Bush is more than likely actually to blame.
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07-19-2006, 03:57 PM
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#17 |
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The G37....
Join Date: Apr 2003
Location: Washington State
Age: 29
Posts: 9,992
iTrader: 0 / 0%
Ride: Black G37, '07 R6
Rep Power: 266
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i don't have one either. so i'm in the same boat. i just don't have any major decisions like you do.
here you go brian, Individual Health Plans > POS Plans __________________
I changed the page layout. let me know what you think. I need feedback. www.obamacies.com |
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07-19-2006, 04:20 PM
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#18 | ||
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TTIWWOP
Join Date: Dec 2002
Location: 845 Area, NY
Age: 29
Posts: 15,381
iTrader: 0 / 0%
Ride: 90 z6-t hatch, 94 Bagged S10, 91 Lifted Mazda
Rep Power: 411
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Quote:
but if you have to go back 2 months down the road, you have to pay another 4 days, and it keeps going that way till your 6K limit is reached i am assuming this is how it works, definately double check in the books when you get them... whats the name of the company... most insurance companies have decent websites and then can prob answer your questions better than the "health and payroll" lady also make sure she has you down for the right dependants/deductions so you don't get fucked at the end of the year... Quote:
 especially things like hemroids, and glazed donuts__________________
I'll blow a hole in your face then go inside and sleep like a baby. |
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07-19-2006, 05:12 PM
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#20 | ||
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RETIRED
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Quote:
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how is that different from an hmo? wtf. |
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07-19-2006, 05:16 PM
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#21 | |
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TTIWWOP
Join Date: Dec 2002
Location: 845 Area, NY
Age: 29
Posts: 15,381
iTrader: 0 / 0%
Ride: 90 z6-t hatch, 94 Bagged S10, 91 Lifted Mazda
Rep Power: 411
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lol, no idea what the real diffrences are, i think its all in the numbers ie: prices, costs and coverages
you can't compare the blue care HMO cause its not one of the ones offered to you according to your list... i believe POS = no referal required... not sure though Quote:
hmmm __________________
I'll blow a hole in your face then go inside and sleep like a baby. |
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07-19-2006, 08:42 PM
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#22 |
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Super Moderator
Join Date: Sep 2002
Location: Wallingford, CT
Age: 32
Posts: 4,430
iTrader: 0 / 0%
Ride: 91 CRX
Rep Power: 86
  
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I'd like to chime in here, Just asked my wife who works for anthem. She said take the Bluecare POS with the out of pocket 202 / (50.54) , she said it's a better plan
__________________
Dennis Buy my stuff plz... Mondaswap For Sale - MPFI, 88-91 CRX, 92-95 Civic Parts Please don't PM/Email/IM me for technical support. Make a Post!!! 91 CRX DX, 03 Civic EX "There are 10 kinds of people in the world: those who get binary and those who don't." "Of all my imaginary friends I don't think there was one I didn't end up having to kill" Last edited by CRX-YEM; 07-19-2006 at 08:45 PM. |
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07-19-2006, 09:44 PM
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#23 |
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RETIRED
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care to explain why? i don't get what half of it means...
i don't mind higher copays... i RARELY go to the doctor... but if i do get sick, i want to be covered. |
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07-19-2006, 11:50 PM
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#24 | |
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Cogito Ergo Sum Steampunk
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In the Similar Threads found at the bottom:
Enemy of the State Ironically enough, I am paying the last of my debt to the DMV this saturday . Over 2 years in the making. __________________
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07-20-2006, 12:17 AM
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#25 |
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Senior Member
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Insurance is for women. My plan sucks, I pay 60.xx a paycheck, and have to meet a 500.00 deductible--When I went in for cancer, it was only 300.00, meaning I still have 200.00 to meet this year before they start paying 80%.
__________________
My skin is singed but it heals my heart and with glowing pride I'll wear my scars. I'm honored by your hatred! She wanted love, I taste of blood. She bit my lip and drank my warmth from years before. |
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