Quote:
Originally Posted by Pugchief
I assume you are a snowbird, and the network is limited to another state? If so, why would you choose a health plan that doesn't have nationwide coverage?
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Quote:
Originally Posted by kschwi
Because those plans are at least twice as expensive. The deductibles, premium and co-pays are significantly more. If I had to fly out numerous times to see a doctor, I would still come out way ahead.
My insurance would cover a trip to the emergency room and for non-emergencies I could make a virtual appointment with my many of the physicians in my network. It is the tests they might want to run that wouldn't be covered and a challenge to obtain.
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Have you considered what would happen if you were in FL and had a heart attack or stroke? You would end up in the ICU and no coverage. I'm healthy, but you never know, and it's not worth the stress of knowing I might have a huge financial issue. Your choice, of course, but in my opinion, a limited policy like yours is far from optimal if you snowbird.