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Health and Medicine
Reply to "Should I switch from a PPO to HMO? Help, please!"
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[quote=Anonymous]I had an hmo when I got pregnant (in October of previous year); it was annoying to have to go to my pcp before getting a referral to an ob. There are already so many appointments for pregnancy, it was a stupid one to have to go to for pretty much no reason. (It wasn’t just the appt. it caused an unrelated-to-this-discussion insurance claim issue and dealing with several phone calls about that too). Just for me to get an OB referral. Anyway baby was born under a ppo bc I changed my insurance at the new year. It was SO GREAT, because I had complications and saw a few other specialists after the birth. I’m glad to didn’t have to go through my pcp for those appointments. Now, we have a simple year ahead, I hope, and I’m considering saving a few hundred dollars/month and going back to an hmo. Still annoying and potentially costly, but I think the savings could be worth it for us. I’m hoping we don’t need to use insurance much anyway! [/quote]
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