Originally Posted by
RgrMurdock
Anyone have any comparisons between the A and diamond if you're going through something relatively high cost like a pregnancy and a surgery in the same year? I clearly understand the benefits of diamond if you're not expecting anything big in the following year but if you are expecting some high bills are you better to go with the A plan?
Also, how come nobody talks about the EPO? I know it's one network but I've been using the UHC network for 10+ years and I've never gone to a doctor or specialist that doesn't take the insurance. Is there some other kind of pitfall there I'm not seeing?
I have friends with the EPO and we compared my visits and what they would've cost with the EPO. Between the premiums being way higher, and there being a copay, the EPO would've cost me 1,000+ more this year. Coupled with the fact that anytime you go to a facility (hospital, urgent care, etc) they bill out multiple doctors, you're at their whim for using people "in network". I've heard many horror stories of going to an in-network hospital with in network doctors, but sent the Xray or the anesthesiologist isn't in network or what have you. That scares me off the EPO. Besides the cost.
I can't say too much regarding things like surgeries and whatnot, but so far I am very very impressed with the Diamond plan