Is my medical insurance good?
Saturday, November 22nd, 2008
L 619 asked:
I used to have Pacific Care HMO from my employer. It was the usual. My payments were deducted from my weekly paychecks. And whenever I needed to go to the doctor, I would just make my appointment, show up, show my insurance card, and pay my $20 co-payment. The insurance would take care of the rest. Simple as that. Now we switched over to a new insurance called United Healthcare PPO. It has an HSA account which stands for Health savings account. They tell me that whenever my money is deducted from my paychecks for health insurance, it goes into my HSA account and that is my money that I have for health costs. They also gave me a debit card for that savings account to use to pay for medical expenses. So pretty much, if I get hurt within the first year of having this insurance, I’m screwed because I wouldn’t have enough to cover the costs. They tell me it’s really good but I don’t buy it. I think my employer went cheap on us. I don’t understand this system and I wish we stayed with the old one. Does anybody else have this insurance? Does anyone have any good information it. Any info would be helpful.
Shannon
I used to have Pacific Care HMO from my employer. It was the usual. My payments were deducted from my weekly paychecks. And whenever I needed to go to the doctor, I would just make my appointment, show up, show my insurance card, and pay my $20 co-payment. The insurance would take care of the rest. Simple as that. Now we switched over to a new insurance called United Healthcare PPO. It has an HSA account which stands for Health savings account. They tell me that whenever my money is deducted from my paychecks for health insurance, it goes into my HSA account and that is my money that I have for health costs. They also gave me a debit card for that savings account to use to pay for medical expenses. So pretty much, if I get hurt within the first year of having this insurance, I’m screwed because I wouldn’t have enough to cover the costs. They tell me it’s really good but I don’t buy it. I think my employer went cheap on us. I don’t understand this system and I wish we stayed with the old one. Does anybody else have this insurance? Does anyone have any good information it. Any info would be helpful.
Shannon