My new insurance will be effective starting Monday.
I called today and it all seems good. The deductible kicks in for in-patient stuff and surgeries. However, if my luck lasts, I wont’ need that. I’ll be on the hook for co-pays and, for some reason, I thought the deductible applied to office visits, but they don’t. Yeah!
I will need doctor’s visits, lab work, my pump equipment and prescriptions. I went for the highest end PPO they had. It’s not cheap, but knowing I can go to any specialist I want in the network without a referral is awesome. Blue Shield/Blue Cross has a good network of doctors.
HMOs have gone f#*king nuts with needing a referral for the most minor things. I’m a diabetic. OF COURSE, I need to go to an endo! (Can you tell I’m recovering from the trauma of having to bother my primary care clinic to fax in a referral every few months? Irritating and just bureaucracy. I do wonder how much do HMOs truly save considering all the checks and balances that have to be checked and enforced…anyway.)
It won’t come cheap, but I’m glad to be on it. Now let’s just hope it stays that way!