Quote:
Originally Posted by golfing eagles
Now IF there is no provider in network that does the same procedure, and IF it is considered medically necessary to have that specific procedure, don't they cover it as though it were in network?
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The answer is yes. However, that would be a very rare situation.
After directing customer service for large health care providers and selling health insurance to large group employers for thirty years, I've learned with all health insurance, the devil is in the details.
My concern with HMO's has always been the
IF's you referred to. It was a no brainer for me to leave the Villages Health System with my current insurance.
Did I like The Villages Health System in general? Yes!
As a matter of fact I love the beauty and convenience of the facilities.
Do I think UHC offers a product through The Villages which is good
basic affordable health care? Yes!
Does it make me sad when I point out the health care facilities built within our villages and have to say, "great concept - just not feasible for many of us." Yes!
At this point in my life, the most important choice I want to make is which provider has the most experience doing that procedure.
Would I return to the Villages Health Care System?
Maybe! I never say never. But, only IF I have the ability to choose
who will perform that most concerning medical procedure or
where it will be performed. Which means keeping my current insurance.
After leaving the Villages Health System, I found a wonderful doctor who I trust as much as any of the doctors I met through their health system. I must say I love her so much, I think the Villages Health Care System did me a favor.
In a perfect world, my current doctor would have a private office in the beautiful health facility located in Pinellas and I could keep my current health insurance.
