Reply to CareFirst HDHP — what am I missing?

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Reply to "CareFirst HDHP — what am I missing?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I've had it for the past 2 years and am switching to GEHA standard as I am hoping for a more straightforward plan.

I felt like I've had to pay a lot out of pocket even after the deductible. Some of it could be because I had imaging done and the radiologist ended up being out of network which is annoying.  [b]For example, I got an MRI at Sibley and the imaging was covered but not the radiologist's fees. [/b] A mammogram that was diagnostic not preventive was not covered.  [/quote]

I’m the OP of this thread, and this is very useful feedback. I’m pretty vigilant about making sure everything is in network (I hardly visit the doctor, so it’s usually not a big deal for me), but I’ll definitely emphasize for my husband the importance of using only in-network labs, etc. Thanks, PP. [/quote]

When you have any procedure it is basically impossible to know if your provider will be in the plan (anesthesia, imaging, on and on).  [b]Is out of network much more expensive for HDHP than Standard?  [/b]This is probably why when you are on an HMO with strict in network requirements, they send you to an HMO hospital (Kaiser),[/quote]

The coverage (whether something is in or out) should be the same.  The deductible/out-of-pocket will be higher with HDHP (because your premiums are a lot lower).  Once you pass that threshold, co-pays will be the same (e.g. 20%).[/quote]

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