Some Input on IFP Benefits

I am in agreement here, especially with women and kids. The reason I started this thread was to see if my thinking on this was valid. I am right now staring at an EOB from Blue Cross CA with ZERO coverage because the preventative care on her daughter was done by the doctor and not at a Healthy Check Center. $461 EOB!!!!! I am less than enthused.

The plan in question is the RightPlan PPO. No annual physicals and no in-office preventative care.

Dave, it's just bad marketing on the part of the carriers.

Doesn't it MAKE SENSE to incent folks to get the routine maintenance done (espically the gals & kids)..before something turns into a major deal...

If these idiots in the HO don't figure it out pretty soon, they are going to get legislated on...
 
Dave, it's just bad marketing on the part of the carriers.

Doesn't it MAKE SENSE to incent folks to get the routine maintenance done (espically the gals & kids)..before something turns into a major deal...

If these idiots in the HO don't figure it out pretty soon, they are going to get legislated on...

Seems to me that is correct thinking. I will say that, at least in CA, Kaiser has always been best at the preventative care end of things. That is the number one thing I hear from people who like having Kaiser, that the preventative benefits are very rich and easy to access.

I just feel like sh*t because I never caught that little change on these lower cost plans. All of the standard older plans offer annual physical and full preventative care at either Healthy Check (copay) or through your doctor (30% of NFR deductible waived). Shield does a better job on preventative as well.
 
Anytime I deal with a woman it's the same thing:

"Ok honey - let's get all the doctors you see so I can start running network searches." That's the only thing they care about - that their doctors are in network.

Saving money? Got one today - paying over $700 a month for her family - I can save her about 40% for starters. She's "gonna get back to me."
 
Somarco, I take it you don't market much to muffler shops or tire stores.

Only the ones run for former Hooters girls.

for family plans normally (don't bash me) the men are paying the premiums

Must be different in the south. Men earn the money; wife works the budget and pays the bills.

Doesn't it MAKE SENSE to incent folks to get the routine maintenance done (espically the gals & kids)..before something turns into a major deal...

Aetna & Humana figured it out.

The others (like GR & Time) take a little longer for the light bulb to come on.

Kaiser, that the preventative benefits are very rich and easy to access.

Same here.

One stop shopping (all primary care handled on site including doc, lab, X-ray & Rx); in and out in an hour or less.

Doc copay includes lab work.

KP makes my life simple when it comes to value and customer service.

Women buy health insurance, men buy beer!

So it isn't just a southern thing. Left coasties do the same.
 
Did I miss seeing an ambulance service benefit for the Lumenos plan? (I see that benefit for the Farm Bureau and BS)

Yes, you did. It is listed under "Medical Care" in the brochure which means it is subject to deductible/OOP first. It's on page 3 of the 12/07 brochure (maternity and non-maternity unified brochure form MCABR489B)

Lists as: "Emergency Hospital Services, Urgent Care and Ambulance (in-network coinsurance applies both in-network and out-of-network")
 
Looks like they expanded the "Emergency Hospital Services" line to include both the urgent care and ambulance. Probably done for clarification.

The old brochures did not list them specifically in any of the brochures, so I suspect it was added as it probably came up.
 
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