 |
 |
Scott, I have primary Medicare, secondary Blue Cross PPO from LA Unified School District + drugs on the cheap through Medco Health. Medicare and BCPPO paid for my 2 DBSs which were very expensive.. Medicare started covering it in 2003 the year I had them done. When I was teaching I thought I would have to buy into Blue Shield when I retired, but the LAUSD really came through for me. I worked as secretary before and after teaching so I paid for my Medicare unlike most teachers in CA. My pension is puny, but I can't complain about the health insurance. It is so different from school district to school district. Ray ----- Original Message ----- From: "Scott Burnett" <[log in to unmask]> To: <[log in to unmask]> Sent: Wednesday, August 10, 2005 10:23 PM Subject: insurance questions > My wife has the insurance for our family through her job as a high > school teacher. Each year at the start of school they have something > called open enrollment. This is the period we are allowed to choose > which plan we want to use for the upcoming year. > We've always had the Blue Cross PPO since it let us choose our > doctors > even though it was more expensive. This year the carrier has raised > prices so much that we may need to look seriously at the HMO plan or > even Kaiser as an alternative. > Does any one have stories to share about their experiences as a PWP > working with a HMO? Do you have a primary care doctor and a > neurologist or does the primary care doctor supervise your treatment? > Secondly, are there any questions we should ask the various plans > representatives to help us make the right decision? Here are some of > the questions we thought of... > Is DBS considered experimental surgery and is it covered? > What is their position on cutting edge treatments and drugs? > Will they cover me since I have a preexisting condition? > Is their an unwritten policy not to refer patients to specialists > until absolutely necessary? > What about in home care? Is any of that covered? > > I'd appreciate any help you can spare to create a list of questions to > help me (and others in the same quandary,) sort out this insurance > maze. > > Scott > PWP since 1999 > > ---------------------------------------------------------------------- > To sign-off Parkinsn send a message to: > mailto:[log in to unmask] > In the body of the message put: signoff parkinsn ---------------------------------------------------------------------- To sign-off Parkinsn send a message to: mailto:[log in to unmask] In the body of the message put: signoff parkinsn