[aln]

Originally Posted by 2BNTV

I am still reviewing this HMO policy as it seems much cheaper than the PPO I presently have.

I don't believe the salesman when he says it has the same amount of doctors as a PPO as one doctor was not in the plan. He said any provider directory is useless as it goes out of style in a month. I would be sure to check if all prescriptions one is presently taking is covered under this HMO plan.

The UHC PPO plan is raising all the fees for specialists and the maximum out of pocket costs. I still think these type of plans are made for healthy people as opposed to someone who has a chronic condition.

Hmmmmmmmmm..........

I couldn't agree with you more! On july 22 2013 I went to MRMC with severe angina via ambulance to emergency. After a cath and 1 night stay the bill was $22,000. (twenty two thousand). After medicare discounted $16,000, they paid 80.19% of the balance. Because they paid OVER 80% my UHC PPO group plan's terms say that if medicare pays over 80 the UHC pland doesnt' kick in till out of pocket exceeds $2200. I have to pay $1000 and complained to no avail. And just to note, I have met all my deductibles. I guess my point is INSURANCE SUCKS!