EPO versus PPO
So I'm getting ready to sign up for affordable insurance.
The option that costs me a dollar a month after the subsidy is EPO: exclusive provider only, which means you have to choose from the list and you can't go off the list at all except for emergencies. The option that costs 77 dollars a month is Kaiser Permanente, which is an HMO (helath maintenance organization, with their own clinics and hospitals that you use)whose closest clinic is an hour's drive away over the hill. The option that costs me 79 dollars after the subsidy is a PPO (preferred provider organization), in which you pay more for providers off the list but they do cover something, but it is Anthem Blue Cross, which gives me the creeps because of past misbehavior. And then there's Health Net, which has the same coverage and is a PPO, but it costs 155 a month after the subsidy.
more research is clearly necessary.
The option that costs me a dollar a month after the subsidy is EPO: exclusive provider only, which means you have to choose from the list and you can't go off the list at all except for emergencies. The option that costs 77 dollars a month is Kaiser Permanente, which is an HMO (helath maintenance organization, with their own clinics and hospitals that you use)whose closest clinic is an hour's drive away over the hill. The option that costs me 79 dollars after the subsidy is a PPO (preferred provider organization), in which you pay more for providers off the list but they do cover something, but it is Anthem Blue Cross, which gives me the creeps because of past misbehavior. And then there's Health Net, which has the same coverage and is a PPO, but it costs 155 a month after the subsidy.
more research is clearly necessary.