John Galt III
Thinks s/he gets paid by the post
- Joined
- Oct 19, 2008
- Messages
- 2,803
I'm considering signing up with a Capital Blue Cross HMO with $250 deductible and $2,250 out-of-pocket max (after ACA subsidies) and zero percent coinsurance. The Cap Blue website tells me that if I have a hospital stay the facility fee (including hospital room) is fully covered, and the physician/surgeon fees are fully covered. The term they use is *no charge*. This of course is for everything *in network*. Another caveat is that the facility must be pre-authorized. And of course coverage would begin only after the $250 deductible was met. I found it hard to believe I would come out of a hospitalization with *no charge* so I asked a Cap Blue rep if it ever happened that someone had a hospitalization at no charge, and he said yes, it is a common occurrence. Another thing I found unbelievable was that the rep said that if an out-of-network provider were used without my permission, they would pay the out-of-network provider anyway, at the discounted insurance rate. Sounds too good to be true. Not sure how to find a *believable* plan. Not sure if a PPO would be any more believable. Might as well stay with this HMO? Any comments welcome! Thanks
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