Quote:
Originally Posted by Mommy2Dakota
Just out of curiousity, me being in UK and all that, how does that work over where you are? Is it: You pay medical insurance so effectively have to look around yourself for doctors/professional medics? How do you know which ones are good ones? Do you still get referred from one doc to another? If you switch does that cost 'more' on your medical insurance?
Does your insurance go up (pay more) when you use it alot in a year?
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Okay, to try to answer your questions to the best of my ability... it really depends on what kind of insurance you have. For example, our insurance that we have now... we pay our premiums (insurance payments) & can really pick any dr we want. I don't even have to have a referral to see a specialist. If I wanna see a neurologist for example, I can just call one up & make an appt. Not all insurance companies allow this though... some make you have a general practitioner's referral to the specialist before paying for it for you. Some drs actually require that referral before they are willing to see you. We have to pay a co-pay of $30 for every visit though but for some reason my CD 23 progesterone visits I don't pay the co-pay (probably b/c it is a lab visit & not an office visit).
Now I used to have Austin on an individual plan & that insurance company made you pick from a list of preferred drs. You could still go to a non-preferred dr but you'd pay for it up till you met your deductible. So for example, if you had a $500 deductible & only went to non-preferred drs you'd pay every office visit, full price till you met that $500 deductible (i.e. paid a total of $500 out of pocket) then the insurance would kick in & you would then start paying your $20 co-pay for each visit. (This particular plan had a lower co-pay than the plan we are on right now.) If you went to preferred drs though you'd only pay that co-pay & the deductible would only come in when/if you had to be admitted into a hospital. For example, lets say I used only preferred drs & had to go into the hospital for a surgery. I'd pay that $500 for the surgery there at the hospital & the insurance would cover most of the rest.
Insurance premiums do tend to go up quite a bit but it's not related to how much you use it in a year, I don't think.
Basically it really depends on what insurance you have. If you have a really good insurance plan you're all set but if you're not so lucky, ouch! Most insurance, especially the good ones, are expensive around here (& thus there are many who don't have insurance at all) but I still prefer it over what Obama wants... a government run health care plan... NO THANK YOU!
Did I answer everything???