I sell health insurance. I doubt very seriously if you would be able to get the
same
plan as your dr. BC/BS has hundreds of different plans and is notorious for
paying
claims based on UCR (usual, customary & reasonable). You should purchase a
non-network plan
from an insurance company who does not have thousands and thousands of
complaints on file
with your insurance commissioner for not paying claims (BC/BS). What your dr.
has is very likely
not available to you. Why don't you call your insurance commissioner's office
and find
out what company in California has a good reputation for claims paying? After
all,
if they don't pay the claims, anything you pay in premiums is a waste of money.

--- SD <suedarn@...> wrote:

> We do I think. It is the Blue Cross Hospitalization only plan.
> Only hopitalizations are covered up to 54K and then everything is covered.
> I don't mind paying meica costs either.
> But giving up my house and life to do it doesn't make sense.
> 10 and 20K going out all at once, I'd be homeless in a month.
> -sd
>
> SD wrote:
>
> > I'm going to sign up for Blur Cross of California. That is what my own
doctor has. We are
> "friends" I do his web page he charges me nothing for my dx an danything like
a test once a year
> or less or whatever. Weird that I dont' want
> > anything.. We but do only fear the catstrophic, so we only get
"hospitalization".l I went to
> hime a few times to get my thryoid straight when I knew very little about T's.
But now I am
> stable there and I don't need anythning from him.
> > He knows it. I can totally understand the dilemna of not needing an MD. We
must be lucky or
> something. Or smart? Maybe both?
> > I've been aware of body and how it works since I was a kid And could learn,
I did learn. No
> mystery. Thje info is out there. But at any moment I could get in a car weedk
and need medical
> treatment or whatever. Some docs I do fear,
> > becasue they are brain washed. Adn yehit will cost a K a year. but oh well.
It beats risking
> what little IO have sved upo, etrc. When your bill comes to $5K it covers
100% of everything
> plus take home meds. It's like car insurance.
> > -sd
> >
> > Flash Fyre wrote:
> >
> > > We're coming up on open enrollment and I want to ask the talking heads
> > > hard questions just for the fun of it. I have AETNA HMO, a true piece
> > > of steaming dogsh*t.
> > >
> > > 1) How much of the money from my paycheck goes to the Dr. and how much
> > > to the shareholders/management? Is it paid annually, monthy, etc? Got
> > > a pie chart? On the web? I've heard the Dr. gets $50 a month as my PCP.
> > >
> > > 2) Does the Dr. get a bonus at the end of the year, based on the cost
> > > of services he provided? I've heard Dr. get bonuses from the HMO if
> > > they keep the service costs below a certain level.
> > >
> > > 3) Why don't we have a catastropic health plan? I'm healthy and
> > > statistically I need little more than 1 visit every couple of years.
> > > But the base plan starts at $100 a month or so, and rapidly increases
> > > from there.
> > >
> > > No catastrophic plans are available (say, $3000 annual deductable,
> > > nice to have just in case I need some hardcore services). I'd gladly
> > > pay cash for a visit/tests/medication once every 18 months or so and
> > > leave all this monthly payment crap behind, and just get the hell out
> > > of this rigged game.
> > >
> > > Comments? Opinions?
> > >
> > > Thanks
> > > FF
> > >
> > > (I don't really fear anything about Drs. per se, but these HMOs
> > > (insurance companies + bean counters + government) are awful...i don't
> > > fear them, I think they're a crooked pathetic joke!
> > >
>
>
>
>
>
>
> Yahoo! Groups Links
>
>
>
>
>
>
>



mariebennett-ins.com









____________________________________________________
Start your day with Yahoo! - make it your home page
http://www.yahoo.com/r/hs