Mike , there must be something there that many people are simply stuck with this awful option..... otherwise they would clearly choose a better one. But they tell me every day - we are stuck with this one.

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Happy New Year to all! Virtual hugs!

and University of Rochester is stuck with Aetna - another lousy, lousy insurance.
we are "self-insured" at about $400/mo, but I can buy BC/BS for about $1200/mo(md) (md) (md)

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Happy New Year to all! Virtual hugs!

i'am looking at the details of the HMO plan right now.
it's either Aetna or Blue Cross
$15 office visit copay for almost everything no deductable
$10 generic, $30 brand name co-pay
mental health, chiropractor, home health.. i mean it's a standard plan that every company i worked for offered...
i don't see a reason why anyone would chose PPO plan unless they don't want to see in-network HMO physicians.

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Человек, который почувствовал ветер перемен, должен построить не щит от ветра, а ветряную мельницу

just spoke last night with good chiropractor friend - MVP pays him $38 for new patient visit. No copay on part of patient. He just got out of the plan. All those things look much better on paper...

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Happy New Year to all! Virtual hugs!

Chiropractic Plan pays 100% after $20 copayment
Maximum: 20 visits per calendar year
whatever...
if insurances are so horrible how come they have 73% customer satisfaction rate?

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Человек, который почувствовал ветер перемен, должен построить не щит от ветра, а ветряную мельницу

I can ask him to forward me some stuff...he leads regional chiropractic negotiations with them, lots just left the plan and called their terms "insulting".
now, we all know how those satisfactions surveys are done...

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Happy New Year to all! Virtual hugs!

please, tell me how it's done?
or anything that does not confirm to your beliefs can just be ignored as erroneous?

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Человек, который почувствовал ветер перемен, должен построить не щит от ветра, а ветряную мельницу

MVP pays him $38 for new patient visit

Do you know how much Medicaid /Medicare pays for it?

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Замужество – это не семейное положение..... это – медаль. Она так и называется "За мужество!"

the plans your ins companies are selling you very often are regulated by state laws (require them to include certain things in all plans)...and ins companies are bound by those lawshence offer limited kinds of plans...

This is what I found on-line
Westerly Chirpractic in Westerly, RI (family Health Center)

Cash Visit Your initial Spinal Assessment is always done at the doctors expense. If you qualify for chiropractic care and are accepted as a patient, our cash fees are as follows.
$40 per visit
40% off for your spouse
70% off for your children under 18
FREE for children under 1 year old

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Замужество – это не семейное положение..... это – медаль. Она так и называется "За мужество!"