My husband and I are at an odds on what healthcare plan to choose for next year. My employer just notified me that Sutter and Providence (the two main providers in our area) are still in negotiations with Anthem Blue Cross and are not sure if they will be in-network next year. My employer suggested I look for a different PCP, one BIG problem - all the hospitals and vast majority of doctors are through Providence or Sutter within a 30 min drive. And even WITH those two as options, appts are months out.
That being said, I am considering if we should switch to Kaiser for next year. The premiums are nearly the same - about $380 biweekly for my family of 3.
Although we have gotten good care through Sutter system, it's very expensive with the deductible and out of pocket max. I had to go to the urgent care and they charged me $250 for the doctor to tell me to go get some different over the counter meds. A recent hospital visit for my daughter was over $3,000 after insurance. Now I'm worried that won't even be an in-network option.
My husband is very hesitant on Kaiser, hearing bad stories. But I'm wondering if it's THAT much worse that it wouldn't be worth it.
thanks for any insight!
0 nhận xét:
Đăng nhận xét