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help me pick a health insurance plan

Discussion in 'Members' Lounge' started by pissedoffsol, Jul 19, 2006.

  1. pissedoffsol

    pissedoffsol RETIRED

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    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.
     
  2. pissedoffsol

    pissedoffsol RETIRED

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    bah, that didn't paste well... hang on...
     
  3. pissedoffsol

    pissedoffsol RETIRED

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    here:
     

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  4. reckedracing

    reckedracing TTIWWOP VIP

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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??
     
  5. get_nick

    get_nick These snozzberries taste like snozzberries... VIP

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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.
     
  6. reckedracing

    reckedracing TTIWWOP VIP

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    the first thing to check is whether your primary doctor is covered...
     
  7. pissedoffsol

    pissedoffsol 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
     
  8. reckedracing

    reckedracing TTIWWOP VIP

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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
     
  9. Celerity

    Celerity Well-Known Member

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    "Tell me what to buy" "Tell me what TV to have" "Tell me what to drive" "Choose my health care"
     
  10. pissedoffsol

    pissedoffsol RETIRED

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    yah yah...

    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.
     
  11. get_nick

    get_nick These snozzberries taste like snozzberries... VIP

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    werd...i would rather consult random guys i know from the net than ask a gf/wife about any major decision making. :lol:
     
  12. Jeef

    Jeef NO MA'AM Moderator VIP

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    Call your hr department
     
  13. pissedoffsol

    pissedoffsol RETIRED

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    ok, so that's what I need to pay each time i go... got it.

    ok, so that means i pay 500 total?

    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 :)

    I know.. and thats why it doesn't make sense....
    what does POS stand for anyway?

    you got a screen shot of what i got. I get the forms tomorrow. I have no other info than that, and i need to pick a plan by friday so i can get on the books for august 1st. so i need to figure this crap out.
     
  14. pissedoffsol

    pissedoffsol RETIRED

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    ok, but i dont HAVE one at all... if i did, sure, i'd talk it over with her... but i don't, and i live alone... so here we are.
     
  15. pissedoffsol

    pissedoffsol RETIRED

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    lol

    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....
     
  16. Celerity

    Celerity Well-Known Member

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    You're so liberal, that if you do go into a Coma, Bush is more than likely actually to blame.
     
  17. get_nick

    get_nick These snozzberries taste like snozzberries... VIP

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  18. reckedracing

    reckedracing TTIWWOP VIP

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    ok, i think 500/4 days = you pay 500 bucks a day for the first 4 days, then the rest of your current stay is covered
    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...

    :werd: especially things like hemroids, and glazed donuts
     
  19. reckedracing

    reckedracing TTIWWOP VIP

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  20. pissedoffsol

    pissedoffsol RETIRED

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    ok, so wtf is the difference then?


    POS lets me go to whomever, as long as i pay for it.
    how is that different from an hmo?

    wtf.
     
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