Would you pay an extra $1K/yr to be able to choose your own doctors?
June 19, 2014 8:33 PM Subscribe
How much is it worth to you to have (relative) freedom of choice? Enrolling in health insurance and I'm debating between an HMO and a PPO (both under Blue Shield of CA). The difference in cost is roughly $1,000. I'm a 26 year old female but I'm not exactly "healthy". I have mysterious, debilitating, chronic joint pain all over (undiagnosed as of yet), a couple car accident-related injuries that flare up every now and then, and I need to get a pap smear every 3 months due to a recent scare. So acupuncturists, chiropractors, internists, rheumatologists, and gynecologists must all be within easy reach for me.
posted by doctordrey to Health & Fitness (23 answers total)
- How much would you pay to have the choice of seeing a doctor or specialist directly (granted s/he is within network) instead of being restricted to managed care partners?
- Do you have experience with Blue Shield in Los Angeles? Have you found differences in quality of care between their HMOs vs PPOs?
- Lastly, do you have Blue Shield HMO/PPO in Los Angeles and love your primary care physician, rheumatologist, internist, acupuncturist, chiropractor, gynecologist, etc.? Please do share!
I'm currently on a HealthNet HMO and recently, the pain of going back to my Primary Care Provider (PCP) to get a referral for a specialist every time and hopping from laboratory to imaging center and back for diagnostics has been agonizing -- but it might've been agitated by a long commute and the fact that multiple issues compounded at once.
I'm electing healthcare on my own for the first time as a young professional (just aged out of my parents' plan -- big ups to Obama for a good, extended run) and confronting the paradox of choice. I'd appreciate ANY advice. Thanks so much!