Health Insurance Options... Ppo, Hmo, Kaiser!!!!!!!!!!! - Zilvia.net Forums | Nissan 240SX (Silvia) and Z (Fairlady) Car Forum

airsoft · 02-10-2008, 12:06 AM

I Are So Confused!!!!!!!!!!!!!!!!!

Im Single.

I Ride A Bike.

I Never See The Doctor.

Other Than When I Crashed On My Bike Once.

Jung918 · 02-10-2008, 01:34 AM

Quote:

Originally Posted by airsoft

I Are So Confused!!!!!!!!!!!!!!!!!

Im Single.

I Ride A Bike.

I Never See The Doctor.

Other Than When I Crashed On My Bike Once.

I am on the Blue Cross TOnik plan. I get 2 free dentist visits a year.
I have not used anything so I can't say how well the plan is. I pay like 160ish every 2 months or so.

*kingkilburn* · 02-10-2008, 03:07 AM

Tri-West baby! They pay for everything but braces and Zyrtec, the only things I need.

airsoft · 02-10-2008, 07:09 PM

Gosh damnit, now im stuck w/ Kaiser for the next year...

Shoulda picked Anthem HMO deluxe package...

ALEXTHESUS*PECT · 02-10-2008, 07:41 PM

hmo is perfect for most healthy young guys. (cheaper)

ppo is more for those that need to be seen by specialists.(more expensive)

kaiser will be ok for you so long as you don't go often. otherwise it will drive you wild waiting for everything!

usdm180sx · 04-19-2011, 09:05 PM

Actually HMO's are more expensive than PPO's. I sell health insurance. A lot of changes have been made to health care due to health care reform. I can help you choose the best plan. Our services are free of charge and we do everything online. If you have any questions pm me.

Om1kron · 04-21-2011, 01:27 AM

Quote:

Originally Posted by usdm180sx

Actually HMO's are more expensive than PPO's. I sell health insurance. A lot of changes have been made to health care due to health care reform. I can help you choose the best plan. Our services are free of charge and we do everything online. If you have any questions pm me.

because most hmo's cover shit, while ppo's require an out of pocket maximum with a fat ass asterisk hidden somewhere. I owe a doctor 150 bucks now that I think about it, forgot to pay him, already paid the 300 dollar bill for the er room. ugh.

holemilk00 · 04-19-2011, 09:09 PM

^^What all states can you help out with? Florida???

usdm180sx · 04-19-2011, 09:20 PM

I'll check at work tomorrow and pm you.

initial_jc · 04-20-2011, 11:17 PM

im on bluecross epo in california

seems reasonable i only pay 60 a month, i heard kasier is slow to attend to you but everything is inhouse i guess

upsdude · 04-21-2011, 12:36 AM

i'm on blueshield ppo...goddamn lifesaver since i've got a kid with a medical condition. i don't have to wait for the insurance to approve a specialist visit-i just go if they're in the network. most everything is covered %90 i get billed the remainder.

Banana_Cute · 04-21-2011, 04:01 AM

I always liked Kaiser when i was under my mom back in highschool. I broke a few bones here and there and they took care of everything with no Co-pay. Other than paying a Co-pay of $50 for the brace i needed for my leg during recovery.

Im on blue-cross HMO with my wife and kid....Cant really complain. but the co-pay is kinda high. We had to pay $1500 for my wife's C-sestion. As when for Kaiser, my mom had 2 C-section and didnt pay no more than $500.. but thats because they wanted a private room and such.

IDK if it changed through the span of 15 yrs.. but yeah. If i can afford kaiser, let alone my wife's work offer them, i think id go kaiser.

02-10-2008, 12:06 AM	#1
airsoft Zilvia FREAK! Join Date: Jul 2003 Location: So Cal Posts: 1,231 Trader Rating: (0) Feedback Score: 0 reviews	Health Insurance Options... Ppo, Hmo, Kaiser!!!!!!!!!!! I Are So Confused!!!!!!!!!!!!!!!!! Im Single. I Ride A Bike. I Never See The Doctor. Other Than When I Crashed On My Bike Once.

02-10-2008, 03:07 AM	#3
kingkilburn Philosopher King Join Date: Aug 2006 Location: FresYes Posts: 3,042 Trader Rating: (0) Feedback Score: 0 reviews	Tri-West baby! They pay for everything but braces and Zyrtec, the only things I need. __________________ G O L D E N B E A R R E P U B L I C

02-10-2008, 07:41 PM	#5
ALEXTHESUSPECT Post Whore! Join Date: Oct 2005 Location: Soul cal!! Age: 47 Posts: 4,387 Trader Rating: (5) Rides Gallery: ALEXTHESUSPECT Feedback Score: 5 reviews	hmo is perfect for most healthy young guys. (cheaper) ppo is more for those that need to be seen by specialists.(more expensive) kaiser will be ok for you so long as you don't go often. otherwise it will drive you wild waiting for everything! __________________ *TEAM SUSPECT**

04-19-2011, 09:05 PM	#6
usdm180sx Post Whore! Join Date: Dec 2005 Location: 562 Posts: 4,807 Trader Rating: (5) Rides Gallery: usdm180sx Feedback Score: 5 reviews	Actually HMO's are more expensive than PPO's. I sell health insurance. A lot of changes have been made to health care due to health care reform. I can help you choose the best plan. Our services are free of charge and we do everything online. If you have any questions pm me. __________________ -Norm!

04-19-2011, 09:09 PM	#8
holemilk00 Nissanaholic! Join Date: Oct 2006 Location: Cape Coral, FL Posts: 2,486 Trader Rating: (33) Feedback Score: 33 reviews	^^What all states can you help out with? Florida??? __________________ I had a cool signature

02-10-2008, 07:09 PM	#4
airsoft Zilvia FREAK! Join Date: Jul 2003 Location: So Cal Posts: 1,231 Trader Rating: (0) Feedback Score: 0 reviews	Gosh damnit, now im stuck w/ Kaiser for the next year... Shoulda picked Anthem HMO deluxe package...

04-19-2011, 09:20 PM	#9
usdm180sx Post Whore! Join Date: Dec 2005 Location: 562 Posts: 4,807 Trader Rating: (5) Rides Gallery: usdm180sx Feedback Score: 5 reviews	I'll check at work tomorrow and pm you. __________________ -Norm!

04-20-2011, 11:17 PM	#10
initial_jc Zilvia Junkie Join Date: Nov 2004 Location: Bakersfield Age: 37 Posts: 549 Trader Rating: (3) Feedback Score: 3 reviews	im on bluecross epo in california seems reasonable i only pay 60 a month, i heard kasier is slow to attend to you but everything is inhouse i guess

04-21-2011, 12:36 AM	#11
upsdude Post Whore! Join Date: Apr 2009 Location: Fontana (the good part) Posts: 2,721 Trader Rating: (46) Rides Gallery: upsdude Feedback Score: 46 reviews	i'm on blueshield ppo...goddamn lifesaver since i've got a kid with a medical condition. i don't have to wait for the insurance to approve a specialist visit-i just go if they're in the network. most everything is covered %90 i get billed the remainder.

04-21-2011, 04:01 AM	#12
Banana_Cute Zilvia FREAK! Join Date: Jan 2011 Location: Irvine, So. Cal. Posts: 1,338 Trader Rating: (16) Feedback Score: 16 reviews	I always liked Kaiser when i was under my mom back in highschool. I broke a few bones here and there and they took care of everything with no Co-pay. Other than paying a Co-pay of $50 for the brace i needed for my leg during recovery. Im on blue-cross HMO with my wife and kid....Cant really complain. but the co-pay is kinda high. We had to pay $1500 for my wife's C-sestion. As when for Kaiser, my mom had 2 C-section and didnt pay no more than $500.. but thats because they wanted a private room and such. IDK if it changed through the span of 15 yrs.. but yeah. If i can afford kaiser, let alone my wife's work offer them, i think id go kaiser. __________________ Simplicity is the key to brilliance