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Get a PPO plan, then? I can go directly to any specialist I want, although I find it’s better to always talk to my PCP first, who then makes a referral and ofte
by trollbridge 1y ago
Get a PPO plan, then? I can go directly to any specialist I want, although I find it’s better to always talk to my PCP first, who then makes a referral and often recommends the specialist she prefers.
(If your HMO charges $200 for a PCP visit - wow, I’d look for a different plan.)
- nerdsniper 1y agoMy second example was specifically called out as an example of an issue even with PPO's. Also, not everyone (including myself) can easily change jobs or get insurance that simply isn't even offered by the employer. Worth noting that in my state for example, none of the public ACA health insurance options are a PPO.
- trollbridge 1y agoYeah, it's true that a lot of ACA plans are quite poor right now. The subsidy often isn't really worth it compared to a non-ACA plan.