Cycling and bicycle discussion forums. 
   Click here to join our community Log in to access your Control Panel  


Go Back   > >

Foo Off-Topic chit chat with no general subject.

User Tag List

Reply
 
Thread Tools Search this Thread
Old 01-15-08, 04:29 PM   #1
Shadiyah
KombuchaCHIC
Thread Starter
 
Shadiyah's Avatar
 
Join Date: Jul 2005
Location: SLC,UT
Bikes: Santa Cruz Juliana, 2005 Bianchi Pista
Posts: 496
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Health Care Gurus! Please Help!

I am in the process of trying to find a health care plan for Joe and I under our business, and I'm coming across some very confusing information. Does anyone have any recommendations? Also, could anyone tell me what the difference is between an HMO and a PPO?
Shadiyah is offline   Reply With Quote
Old 01-15-08, 04:30 PM   #2
crtreedude 
Third World Layabout
 
crtreedude's Avatar
 
Join Date: Dec 2005
Location: Costa Rica
Bikes: Cannondale F900 and Tandem
Posts: 3,075
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 57 Post(s)
Just quickly move here and don't worry about it...
crtreedude is offline   Reply With Quote
Old 01-15-08, 04:34 PM   #3
KingTermite 
On my TARDIScycle!
 
KingTermite's Avatar
 
Join Date: Jun 2005
Location: Eastside Seattlite Termite Mound
Bikes: Trek 520, Trek Navigator 300, Peugeot Versailles PE10DE
Posts: 3,924
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I certainly know almost nothing, especially from an "employer" point of view. But from a "having the insurance" POV, typically an HMO makes you stay with doctors "in network" (can't see "any" doctor) and usually wants you to get a referral from your Primary Care Physician (PCP) before seeing a "specialist".

A PPO often lets you see any doctor, maybe a slightly higher co-pay if they are out of network. Also PPOs usually let you see a specialist without going to PCP (and paying their co-pay) just go get a referral.

I'm doing this from memory, but I think it usually works something like that.
__________________
Quote:
Originally Posted by coffeecake View Post
- it's pretty well established that Hitler was an *******.
KingTermite is offline   Reply With Quote
Old 01-15-08, 04:34 PM   #4
ModoVincere
Riding Heaven's Highways on the grand tour
 
ModoVincere's Avatar
 
Join Date: Aug 2006
Bikes:
Posts: 1,675
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
HMO means you go to the Dr's they have in their plan if you want coverage.
PPO provides a list of preferred providers where they will cover a higher % of the costs because they have negotiated contract prices for the services. You can still go outside the plan and pay a little more under a PPO. Ex. if you go to the PPO Dr., insurance will cover 90%. If you go outside the plan, the insurance co. will pay 70% of the costs.
__________________
1 bronze, 0 silver, 1 gold
ModoVincere is offline   Reply With Quote
Old 01-15-08, 04:34 PM   #5
Shadiyah
KombuchaCHIC
Thread Starter
 
Shadiyah's Avatar
 
Join Date: Jul 2005
Location: SLC,UT
Bikes: Santa Cruz Juliana, 2005 Bianchi Pista
Posts: 496
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by crtreedude
Just quickly move here and don't worry about it...
That's a good idea, too...but we are snowboarding 3 x's a week. If something were to happen, we would run a risk of screwing ourselves royally.
Shadiyah is offline   Reply With Quote
Old 01-15-08, 04:37 PM   #6
Shadiyah
KombuchaCHIC
Thread Starter
 
Shadiyah's Avatar
 
Join Date: Jul 2005
Location: SLC,UT
Bikes: Santa Cruz Juliana, 2005 Bianchi Pista
Posts: 496
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Thanks KT and Modo! That helps a lot!
Shadiyah is offline   Reply With Quote
Old 01-15-08, 04:41 PM   #7
catherine96821
Look 555 fledgling
 
catherine96821's Avatar
 
Join Date: Nov 2006
Location: Oahu
Bikes: Vitus road bike, I bought used, graduated to a LOOK 555
Posts: 313
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
have you considered an HSA?

http://www.hsabank.com/

(you still need an insurance policy, but the costs are lower.)

I am liking mine...

the money rolls over for one thing, as opposed to being "just gone"
I use HSA bank.

I prefer it because if I get a brain tumor, for example, I can go anywhere in America as opposed to being limited to Hawaii. (both an HMO and a PPO would require it here)
catherine96821 is offline   Reply With Quote
Old 01-15-08, 04:50 PM   #8
x136 
phony collective progress
 
x136's Avatar
 
Join Date: Sep 2006
Location: San Hoosey
Bikes: http://velospace.org/user/36663
Posts: 2,981
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I hope you guys can find some kind of deal. Between when my coverage under my parents' plan expired and I got around to signing up for the company policy, it was costing me $300 a month. (And I can't even consider going without.)
__________________
x136 is offline   Reply With Quote
Old 01-15-08, 04:55 PM   #9
Shadiyah
KombuchaCHIC
Thread Starter
 
Shadiyah's Avatar
 
Join Date: Jul 2005
Location: SLC,UT
Bikes: Santa Cruz Juliana, 2005 Bianchi Pista
Posts: 496
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by catherine96821 View Post
have you considered an HSA?

http://www.hsabank.com/

(you still need an insurance policy, but the costs are lower.)

I am liking mine...

the money rolls over for one thing, as opposed to being "just gone"
I use HSA bank.

I prefer it because if I get a brain tumor, for example, I can go anywhere in America as opposed to being limited to Hawaii. (both an HMO and a PPO would require it here)
Hmmm I'll look into that...Thanks!
Shadiyah is offline   Reply With Quote
Old 01-15-08, 05:06 PM   #10
Michigander
Senior Member
 
Michigander's Avatar
 
Join Date: May 2005
Bikes: Giant ATX 1200, Schwinn Peleton
Posts: 1,724
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 54 Post(s)
Just move to Canada...
__________________
Bring back the Sig Test!


(\__/)
(='.'=)
(")_(")
Michigander is offline   Reply With Quote
Old 01-15-08, 05:08 PM   #11
Portis
Banned.
 
Join Date: Sep 2003
Location: Home alone
Bikes: Trek 4300 X 2. Trek 1000, Trek 6000
Posts: 6,019
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
HMO-BAD, PPO-Good.
Portis is offline   Reply With Quote
Old 01-15-08, 05:40 PM   #12
Stacey
Non Tribuo Anus Rodentum and off to the next adventure (RIP)
 
Stacey's Avatar
 
Join Date: Dec 2002
Bikes:
Posts: 9,161
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
HMO, you get a Playboy mag & a cup

PPO, the nurse comes in.
__________________
Stacey is offline   Reply With Quote
Old 01-15-08, 07:31 PM   #13
crtreedude 
Third World Layabout
 
crtreedude's Avatar
 
Join Date: Dec 2005
Location: Costa Rica
Bikes: Cannondale F900 and Tandem
Posts: 3,075
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 57 Post(s)
Heather - since you are planning on living overseas you might check out an International plan. I have heard of people down here who have them.
crtreedude is offline   Reply With Quote
Old 01-15-08, 07:35 PM   #14
x136 
phony collective progress
 
x136's Avatar
 
Join Date: Sep 2006
Location: San Hoosey
Bikes: http://velospace.org/user/36663
Posts: 2,981
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by crtreedude View Post
an International plan.
I don't know specifically, but that just sounds like an insurance company's perfect excuse to charge you not only for the insurance, but for the barrel they're gonna bend you over.
__________________
x136 is offline   Reply With Quote
Old 01-15-08, 07:38 PM   #15
Tom Stormcrowe
Out fishing with Annie on his lap, a cigar in one hand and a ginger ale in the other, watching the sunset.
 
Tom Stormcrowe's Avatar
 
Join Date: Mar 2006
Location: South Florida
Bikes: Techna Wheelchair and a Sun EZ 3 Recumbent Trike
Posts: 16,120
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Shadiyah View Post
I am in the process of trying to find a health care plan for Joe and I under our business, and I'm coming across some very confusing information. Does anyone have any recommendations? Also, could anyone tell me what the difference is between an HMO and a PPO?
HMO is a health Maintenance Organization

PPO is a preferred provider org.

Of the two, PPO is usually better, you have more control as most HMO's won't go outside the organization unless you are way outside their network geographically.
__________________
. He who fights with monsters might take care lest he thereby become a monster. And if you gaze for long into an abyss, the abyss gazes also into you.- Fredrick Nietzsche

"We can judge the heart of a man by his treatment of animals." - Immanuel Kant

Last edited by Tom Stormcrowe; 01-15-08 at 08:05 PM.
Tom Stormcrowe is offline   Reply With Quote
Old 01-15-08, 08:04 PM   #16
TexasGuy
That darn Yankee
 
TexasGuy's Avatar
 
Join Date: Jun 2005
Location: West West Fort Worth
Bikes: Mongoose XR-100, Eros Bianchi
Posts: 4,286
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by catherine96821 View Post
have you considered an HSA?

http://www.hsabank.com/

(you still need an insurance policy, but the costs are lower.)

I am liking mine...

the money rolls over for one thing, as opposed to being "just gone"
I use HSA bank.

I prefer it because if I get a brain tumor, for example, I can go anywhere in America as opposed to being limited to Hawaii. (both an HMO and a PPO would require it here)
The only thing I don't quite understand is aside from the Tax-Deductibleness up to 2850~ a year this seems exactly like a savings account.
Is that observation pretty accurate? or is there something else big that I am missing.
__________________
Life is about hanging onto what you think is important and finding out what really is important.
"Stop Ruining my joke!", "No, a joke implies humor attached at no additional cost"
So many sayings, so little sig space.
TexasGuy is offline   Reply With Quote
Old 01-15-08, 08:08 PM   #17
TexasGuy
That darn Yankee
 
TexasGuy's Avatar
 
Join Date: Jun 2005
Location: West West Fort Worth
Bikes: Mongoose XR-100, Eros Bianchi
Posts: 4,286
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Shadiyah View Post
I am in the process of trying to find a health care plan for Joe and I under our business, and I'm coming across some very confusing information. Does anyone have any recommendations? Also, could anyone tell me what the difference is between an HMO and a PPO?
An interesting thing to note and this is something I am seeing some smaller businesses who are unable to force Health Care Providers to give them as competitive rates:
You go with say Blue Cross & Blue Shield or UHC with a LARGE deductible and then you get a 2nd tiny company who's sole function is to pick up the amount of the deductible. It doesn't work out quite as well as it should but it's supposed to be alot more affordable if you're not CitiBank and able to negotiate Complete medical/dental/etc with $0 deductible for 380~ a month .
__________________
Life is about hanging onto what you think is important and finding out what really is important.
"Stop Ruining my joke!", "No, a joke implies humor attached at no additional cost"
So many sayings, so little sig space.
TexasGuy is offline   Reply With Quote
Old 01-15-08, 08:08 PM   #18
crtreedude 
Third World Layabout
 
crtreedude's Avatar
 
Join Date: Dec 2005
Location: Costa Rica
Bikes: Cannondale F900 and Tandem
Posts: 3,075
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 57 Post(s)
Quote:
Originally Posted by x136 View Post
I don't know specifically, but that just sounds like an insurance company's perfect excuse to charge you not only for the insurance, but for the barrel they're gonna bend you over.
It tends to be a lot cheaper if the place where you are going to be living (like Costa Rica) is a lot cheaper. They go with the odds like all insurance companies. If I remember right, it might be as low as 1,000 dollars a year - yep, per year. This is because health care here is so much cheaper.
crtreedude is offline   Reply With Quote
Old 01-15-08, 08:09 PM   #19
Ex Pres
#39
 
Ex Pres's Avatar
 
Join Date: Dec 2007
Location: the 35223 (AL)
Bikes:
Posts: 6,260
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 11 Post(s)
Quote:
Originally Posted by TexasGuy View Post
The only thing I don't quite understand is aside from the Tax-Deductibleness up to 2850~ a year this seems exactly like a savings account.
Is that observation pretty accurate? or is there something else big that I am missing.

You're right, it's a savings account with the caveat that you've got to spend it on medical care eventually. But you can use it for co-pays, deductibles, eyeglasses, etc, so you can find a way to use it pretty easily.
Ex Pres is offline   Reply With Quote
Old 01-15-08, 08:13 PM   #20
crtreedude 
Third World Layabout
 
crtreedude's Avatar
 
Join Date: Dec 2005
Location: Costa Rica
Bikes: Cannondale F900 and Tandem
Posts: 3,075
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 57 Post(s)
I just checked this site out (not a recommendation)

http://www.healthcareinternational.com

For Amy and I with a 1,000 dollar deductable it would be 2,000 for the year.
crtreedude is offline   Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off



All times are GMT -6. The time now is 07:50 AM.