Comments on: Reader Question – What Insurance Plan Did You Sign Up For And Why? http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/ A place to discuss money...for the rest of us. Sun, 21 Mar 2010 11:46:15 -0400 hourly 1 By: david http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/comment-page-1/#comment-23482 david Mon, 19 Nov 2007 18:21:49 +0000 http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/#comment-23482 The max is $40 for a doctor's visit. If he orders blood tests, etc, we pay more, of course. For a specialist, it's a $40 copay as well, but that is just for the visit. Tests, procedures, etc, always cost more. Since it is not an HMO, I don't need a referral to a specialist, thus they are just like any doctor with a $40 copay. Yearly max is just that - the yearly max I have to pay out in it's entirety. The max is $40 for a doctor’s visit. If he orders blood tests, etc, we pay more, of course. For a specialist, it’s a $40 copay as well, but that is just for the visit. Tests, procedures, etc, always cost more. Since it is not an HMO, I don’t need a referral to a specialist, thus they are just like any doctor with a $40 copay.

Yearly max is just that – the yearly max I have to pay out in it’s entirety.

]]> By: Enjoy the Personal Finance Articles While I Exercise On My Wii | Personal Finance Blog by Money Ning http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/comment-page-1/#comment-23476 Enjoy the Personal Finance Articles While I Exercise On My Wii | Personal Finance Blog by Money Ning Sun, 18 Nov 2007 20:11:56 +0000 http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/#comment-23476 [...] Two Dollars discusses how he picked out his health insurance plan.  If you are also a self-employed individual, remember to check this out since you might learn a [...] [...] Two Dollars discusses how he picked out his health insurance plan.  If you are also a self-employed individual, remember to check this out since you might learn a [...]

]]> By: Pam http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/comment-page-1/#comment-23473 Pam Sun, 18 Nov 2007 15:59:18 +0000 http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/#comment-23473 Thanks David for answering my question in detail. You said: "The plan we have is the Blue Cross of California PPO Share 5000 plan. This gives us a deductible of $5,000 per year for anything above and beyond regular doctor visits and lab tests ordered by our doctor. Our annual out of pocket maximum is $7,500, our co-payment is $40, and generic drugs are $10." What I'd like to understand is this -- if you go to a regular doctor visit, is the max you pay $40 for copayment? What if your doctor refers you to a specialist? Is that $40 too or would you have to pay out of pocket until you reach the annual deductible of $5000? Where is the yearly max of $7500 coming from? -Pam Thanks David for answering my question in detail. You said:

“The plan we have is the Blue Cross of California PPO Share 5000 plan. This gives us a deductible of $5,000 per year for anything above and beyond regular doctor visits and lab tests ordered by our doctor. Our annual out of pocket maximum is $7,500, our co-payment is $40, and generic drugs are $10.”

What I’d like to understand is this — if you go to a regular doctor visit, is the max you pay $40 for copayment? What if your doctor refers you to a specialist? Is that $40 too or would you have to pay out of pocket until you reach the annual deductible of $5000?

Where is the yearly max of $7500 coming from?

-Pam

]]> By: david http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/comment-page-1/#comment-23436 david Thu, 15 Nov 2007 03:17:48 +0000 http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/#comment-23436 I will look into it when I get back from vacation, but I think it only applies to companies of a certain size. Hers is very small and private, thus....but thanks, will check it out. Either way, we don't pay any more than we probably would with her company even if they did offer it. I will look into it when I get back from vacation, but I think it only applies to companies of a certain size. Hers is very small and private, thus….but thanks, will check it out. Either way, we don’t pay any more than we probably would with her company even if they did offer it.

]]> By: the baglady http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/comment-page-1/#comment-23408 the baglady Tue, 13 Nov 2007 17:52:44 +0000 http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/#comment-23408 yup, the law is SB2, health insurance act of 2003: http://www.csufresno.edu/ccchhs/documents/publications/Health_Heartland_employment_insurance_2004.pdf yup, the law is SB2, health insurance act of 2003: http://www.csufresno.edu/ccchhs/documents/publications/Health_Heartland_employment_insurance_2004.pdf

]]> By: the baglady http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/comment-page-1/#comment-23407 the baglady Tue, 13 Nov 2007 17:49:32 +0000 http://www.mytwodollars.com/2007/11/13/reader-question-what-insurance-plan-did-you-sign-up-for-and-why/#comment-23407 hmm. That's really weird that she doesn't have health insurance but works full time. I think it's California law to give people who work at least 35 hours a week health insurance. hmm. That’s really weird that she doesn’t have health insurance but works full time. I think it’s California law to give people who work at least 35 hours a week health insurance.

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