Teegan said:
Insurance only covers medically necessary care, so denials are always possible if something doesn’t meet that standard.
Good point. Assuming it’s all based on doctor recommendations.
@Uma
Even with a recommendation, insurers sometimes still deny it. My MRI was denied twice before it got approved, and that was with specialists pushing for it. The process was a headache.
Harley said:
@Uma
Even with a recommendation, insurers sometimes still deny it. My MRI was denied twice before it got approved, and that was with specialists pushing for it. The process was a headache.
So basically, it’s impossible to avoid the runaround even with high premiums?
@Uma
Yep, seems like it’s unavoidable.
Probably a platinum-level PPO plan.
Whatever Congress has.
Jensen said:
Whatever Congress has.
Or just move to a country with universal healthcare—cheaper than running for Congress!
Biggest issue is there’s no one plan that actually covers everything. That’s the trick.
If you really have unlimited funds, you probably wouldn’t need insurance at all.
Aris said:
If you really have unlimited funds, you probably wouldn’t need insurance at all.
The tricky part is that some providers won’t even take self-pay patients, or they’ll charge more without insurance ‘preferred pricing.’
Some federal employee health plans offer really low deductibles, wide networks, and great extra benefits. If you qualify, these plans often have low out-of-pocket expenses.
Arin said:
Some federal employee health plans offer really low deductibles, wide networks, and great extra benefits. If you qualify, these plans often have low out-of-pocket expenses.
What’s FEHB?
@Gentry
It’s the Federal Employees Health Benefits program, a huge health insurance program for government workers with lots of plan choices.
The best insurance I’ve seen is my employer’s top-tier plan. Low copays for doctor visits, covered labs, hospital stays fully covered, and low out-of-pocket max.
Honestly, government insurance programs are the best, mainly because they keep the billing madness in check. Hard to find anything great as an individual, though.
If you don’t care about cost, just self-insure.
Cash, or the package given to US Presidents.
If you’re okay with moving, states like NY or MN offer decent Medicaid coverage with a Basic Health Plan. Not perfect but quick to approve necessary care.
If I were super rich, I’d just pay out of pocket. Direct Primary Care or concierge medicine is great too, and not just for wealthy people; costs about $80/month where I live. My brother actually found a primary care doctor this way after waitlisting on traditional plans for months.
Looking for good health insurance for me and my daughter in California. Any recommendations?