Quote:
Originally Posted by Pugchief
@golfing eagles and @BigDawgInLakeDenham thanks for your opinion. I, too, spent my entire career in health care delivery and have the opposite view: I would NEVER sign up for an HMO of any kind, including Medicare Advantage unless it was my only option. Yes, you will save some money. But you will also jump thru more hoops to go anywhere beyond PCP, and I have also heard horror stories of people being denied care they wanted/needed by the HMO. I'm sure it is a good option for many folks, but definitely not me.
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It's your prerogative to pay more for the same or less....but please do share your knowledge of horror stories of people not getting what they actually need. It's not reported by any news media so I for one would love to hear how insurance killed subscribers. It will be interesting to analyze if the insurance actually denied necessary procedures without being litigated and responsible for harm.
What kinda of Healthcare worker were you? I'm curious why you fear navagating the system and why you believe insurance companies like United Health Care are evil while the Government is your best friend. I've shocked folks back to life but I've also prepared them for a family viewing and a body bag. I've worked with my orthopedic surgeon on the Trauma Team, when he was a resident, years before having him do my surgery only because of the great respect I had for him and his wonderful humanity. Being a Healthcare Professional does help me navigate the system because I was part of it and I also helped family members to the end of their lives. I've buried my parents, my Brother, my Sister, and most recently my Daughter of 27 years. They all had everything they needed and HMOs were never an issue.
As a Frontline Healthcare Worker that participated in lifesaving procedures I had a HMO my entire Adult life and I have never been denied and I've never had to spend A LOT out of pocket and I've seen many "Specialists" without ever seeing a "Hoop". Can you explain how I pulled this off having the evil managed care insurance? I had bilateral knee replacements and my copay was $100. I won't get that much of a discount on an Advantage Plan because that was a benefit of my Employer's plan but withThe Villages United Healthcare Plan my out of pocket maximum for the year would be $2700, even if I had a $100,000 procedure, and that's with no monthly cost........talk about a freebie.....but to each his own..... I'm done