hmo vs ppo for cancer treatment?
I think I might have oral cancer but I want to get insurance before I find out for sure. If I do have cancer would I be better off with a HMO that has a 0 copay, or a PPO with a 20% copay. If the bills are high then 20% can be a lot, but also I'm wondering if I could get better treatment by having the freedom of PPO. Can I get good enough treatment with an HMO, or is there a chance I will have to see a specialist not covered by HMO? ALSO- - ...... if the PPO w/ 20% copay has a "anual out of pocket limit" of 3000, and my bills are say 200,000 - so does that mean I only need to pay 3,000 for the year and not 40,000 ? -(Kaiser for HMO, ODS for PPO - both are the same rate and same deductable - 148 and 1000)
Cancer - 2 Answers
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1 :
I personally suck at insurance. But I do have 2 forms of cancer, and it costs a shitload of f*ck!ng money if you go with all the treatments. Of course some is covered by insurance, so you'd wanna go with the insurance that covers the most amount of pay, therefore leaving you with the least amount to come up with yourself. Best of wishes though on the cancer thing. Hope you're okay.
2 :
Get a plan that covers everything with the least out-of-pocket expense. I'd opt for the HMO and just use the doctors in-network.
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Title : hmo vs ppo for cancer treatment
Description : hmo vs ppo for cancer treatment? I think I might have oral cancer but I want to get insurance before I find out for sure. If I do have c...