Hi!
Starting a new job and actually have options: HMO, PPO, HDHP, and a CDHP (oh my!)
For the past decade I’ve only had HDHPs with 2 different jobs. I have long-term medical issues, so I usually met the deductible without trying and have accepted medical as a chunk of money I must spend.
My latest HDHP declined 1 procedure and 1 prescription that were both covered on my previous HDHP. I didn’t realize that could happen on this type of plan. (My HDHP under my old employer was expensive in terms of the deductible, but I got the care that my docs said I needed covered 100% of the time).
My question is about these broad types of coverage: is there a type of plan that is most likely to cover everything?
Thanks!
submitted by /u/Tyler_s_Burden
[link] [comments]Hi! Starting a new job and actually have options: HMO, PPO, HDHP, and a CDHP (oh my!) For the past decade I’ve only had HDHPs with 2 different jobs. I have long-term medical issues, so I usually met the deductible without trying and have accepted medical as a chunk of money I must spend. My latest HDHP declined 1 procedure and 1 prescription that were both covered on my previous HDHP. I didn’t realize that could happen on this type of plan. (My HDHP under my old employer was expensive in terms of the deductible, but I got the care that my docs said I needed covered 100% of the time). My question is about these broad types of coverage: is there a type of plan that is most likely to cover everything? Thanks! submitted by /u/Tyler_s_Burden [link] [comments]Read Morer/HealthInsurance