Obamacare Plans - Decisions, Decisions
Since my BCBS of Arizona PPO plan was cancelled for 2016, I have to get another exchange plan. This will be a short term policy since I will be going on Medicare August 1, 2016. It pretty much comes down to another BCBS plan (HMO) or a United Healthcare PPO. Neither plan has all of my docs but the BCBS plan at least has my current PCP. Deductibles are about the same and so is maximum OOP. Drug coverage is also comparable. However, the BCBS plan is nearly $50/mo more expensive so I was starting to lean toward the UHC PPO which has the two hospitals closest to me in network and a bunch of urgent care clinics. But, from online reviews, there seem to be a lot of horror stories about billing and pre-authorization issues with UHC. In contrast, my experience with BCBS of Arizona has been fine - I don't recall any pre-authorization issues ever although that may just be that anything that required such was cut and dried in my case.
The other consideration is that this policy will only be for 7 months and I'm in good enough health that I'm unlikely to need to go to the doctor in that timeframe. I am seeing my gastroenterologist early next month but shouldn't need to see him again before I go on Medicare. Same with my ophthalmologist. I guess I could get a new PCP if I want a free physical but I'd likely return to my existing PCP once on Medicare assuming he doesn't retire which is a distinct possibility.
I'd really like to hear about some folks' experiences - good and bad - with UHC especially those related to an individual plan.