U.S. CitiesCity-Data Forum Index
Covid-19 Information Page
Go Back   City-Data Forum > General Forums > Health and Wellness > Mental Health
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 10-04-2015, 09:20 AM
 
188 posts, read 443,212 times
Reputation: 36

Advertisements

Hello:

In my previous job I used to have a PPO insurance (BCBS) with very good coverage (I only paid $30 dollars per visit with my psychiatrist and medication out of pocket cost were pretty decent even before meeting the deductible).

Now I switched jobs and my new company does not offer this type of insurance.

They have either CDHP or HAP(HMO).

The anual deductible for the CDHP is $1,300 and after reaching that amount the coinsurance is 90%.

The HAP(HMO) has no deductibles and I only pay $20 for office visits (includying specialists) and for medications these are the costs (one month supply):

$10 for generic
$20 preferred
$30 brand name

I checked with both my PCP (primary care physician) and psychiatrist (which I have been seeing for more than 4 years) and they both accept HAP (HMO).

Would HAP be a better choice given my particular situation? That's what I would think but wanted to hear some opinions.

I am currently being treated for depression / anxiety and take 3 medications which I will have to take long term.

Also I am actively engaged in different sports so sometimes I get injuried and need to go to see my PCP which usually orders x-rays, MRI's or sends me to physical therapy.

Thanks and help is greatly appreciated.
Reply With Quote Quick reply to this message

 
Old 10-05-2015, 07:02 PM
 
1,202 posts, read 575,453 times
Reputation: 1319
If your psychiatrist accepts the hmo go with it. I had a bad experience with an hmo but If what youre doing is working stick with it it'll just be someone else paying them
Reply With Quote Quick reply to this message
 
Old 10-05-2015, 07:18 PM
 
188 posts, read 443,212 times
Reputation: 36
Quote:
Originally Posted by Robertfchew View Post
If your psychiatrist accepts the hmo go with it. I had a bad experience with an hmo but If what youre doing is working stick with it it'll just be someone else paying them
Ok thanks for your reply.

That's what I did.

I chose HAP.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Health and Wellness > Mental Health
Similar Threads
Follow City-Data.com founder on our Forum or

All times are GMT -6. The time now is 10:18 PM.

© 2005-2020, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Contact Us - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37 - Top