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[quote=Anonymous][quote=Anonymous]We've been on my employer's Aetna PPO for a few years (DH, 2 y/o, and I).  It is expensive, the coverage isn't fabulous, and having my daughter was VERY expensive.  We're looking to TTC again and I'm thinking of switching to the Aetna Open HMO.  The monthly premiums and OOP would be much better, and all of the doctors we currently see accept both plans.  But I don't know anyone that's made the switch from a PPO to HMO, my HR is no help, and I'm nervous that I'll regret it, especially if we do get pregnant this year.  Has anyone switched from a PPO to HMO?  Did you love it or regret it?  What should I consider before making the decision?[/quote]

We have an HMO through the feds.  UnitedHealthCare.  They have been great for years, but my husband was recently injured and they won't cover acute rehab for him.   According to the hospital case managers, its regular practice for them to deny coverage for this level of care.  And we have no options to even get a partial reimbursement for out of network costs.   So that rots.   But that may be specific to UnitedHealthCare.

For all other things, it's been fine.   No issues.  And it is cheaper than a PPO for sure. [/quote]

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