Our open enrollment is up and I have a few days left to decide if we want to change from HMO to PPO insurance. I have only been diagnosed as LADA since April and have had a very difficult time with doctors on the HMO plan. So I'm considering changing to PPO so that I can have a wider choice of doctors. I'm just feeling so negative towards doctors right now, based on my own experience and also after reading lots of things about doctors and misdiagnosis on these boards, that I'm thinking it won't make much difference. I'll still get frustrated with doctors, but I'll be paying a lot more money for it!
So I need some feedback on making my decision. The difference in monthly premium isn't that signifcant; its the out of pocket expense that would be a huge difference compared to the HMO. The PPO would have an 80/20, $500 ded, $3,500 per person out of pocket co-pay/$7,000 per family max, $150 ded on prescriptions, and then copays on prescriptions are higher than HMO too.