The HMO/PPO Dilema

322

The HMO/PPO Dilema

Of all the Doctors I want to see for my check-up, none of them take my particular species of Blue-Cross insurance.  I have Blue-Care HMO. Here is an example of ALLLLL the other flavors of insurance this particular Doctor accepts:

·                     Aetna U.S. Healthcare (POS)

·                     Aetna U.S. Healthcare (PPO)

·                     Blue Cross Blue Shield -- Federal Gov't (PPO)

·                     Blue Cross Blue Shield -- Freedom Network (PPO)

·                     Blue Cross Blue Shield -- Freedom Network Select (PPO)

·                     Blue Cross Blue Shield -- Preferred Care (PPO)

·                     Blue Cross Blue Shield -- Preferred Care Blue (PPO)

·                     CIGNA (HMO)

·                     CIGNA (PPO)

·                     Community Care Network (PPO)

·                     Community Health Plan (EPO)

·                     Community Health Plan (HMO)

·                     Community Health Plan (POS)

·                     Community Health Plan (PPO)

·                     Coventry (HMO)

·                     Coventry (PPO Leased)

·                     Coventry (PPO)

·                     Great-West Healthcare (One Health Plan) (PPO)

·                     Great-West Healthcare (One Health Plan/Gen Am) (POS)

·                     Humana (PPO)

·                     Humana Choice (Medicare Advantage) (PPO)

·                     Humana Gold Choice Advanced (PFFS)

·                     Medicare

·                     MULTIPLAN -- AHP (PPO)

·                     Mutual of Omaha Mutually Preferred (PPO)

·                     Private Healthcare Systems (POS)

·                     Private Healthcare Systems (PPO)

·                     TriCare/Champus (BCBSKS)

·                     United HealthCare (POS)

·                     United HealthCare (PPO)

·                     United HealthCare Choice & Choice Plus (HMO/POS)

·                     United HealthCare Choice ASO (self-insured) (TPA)

·                     United HealthCare Managed Indemnity (MI)

There is even five (count-em, “5”) Blue Cross Blue Shield insurances but not “Blue-Care HMO.”

The HMO has done us fine in the past (both Eric and I had Umbilical hernia surgeries in the past 18 months) but now it is limiting what I want to do.  I can’t switch insurances until the end of April so I’m just going to free health screening next week and get the rest of my exams after my insurance can switch to the PPO.

Boring…I know.

(idc)

chris