JumpinJack
DP Veteran
- Joined
- Aug 19, 2013
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- 6,628
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- Location
- Dallas, TX
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- Independent
In looking over the awful provider list for the BCBS HMO policy that is offered under the ACA (the only one I can afford), and noting that there are almost NO providers in my area that will accept it (or any HMO), I looked at the provider list for the bronze level BCBS PPO. Bound to be better, right? After all, that PPO policy (there are two, but all the policies are the same, as you know, except for shifting of deductible to out-of-pocket max and such) costs a whopping $520-$550/month (bear in mind these are HIGH deductible plans that provide NO coverage until you fork over the full deductible).
The provider list for the BCBS bronze level PPO is much better. My main drs accept them. However, I noticed the NO oncologist accepts them. Huh?
So...does that mean you get an annual exam ostensibly for "free" (ain't nothin' free, you know), but if they find cancer, you can't actually get treated for it? Is that what that means?
I have not checked other provider lists for other PPOs by Cigna, etc. And I of course didn't check higher than bronze level, since the cost is out of this world. So I haven't verified that this ironic effect is across the board.
But for those with low level PPOs, it sure looks like that is the case. That no oncologists will be accepting many of the ACA plans. I checked on that because a friend of mine who sees an oncologist told me that he told her that he would not be accepting ANY of the ACA policies. I assume he meant individual policies, not realizing that most group policies are also ACA. But maybe he did mean that, too. There are govt and self-insured policies that maybe he meant he'd accept.
Ironic, isn't it? You can find out what's wrong with you, but the insurance won't actually pay for you to get treated for it. So...what's the point of an annual exam?
The fed didn't realize, I guess, that they need the cooperation of the medical community, in order to provide services.
The provider list for the BCBS bronze level PPO is much better. My main drs accept them. However, I noticed the NO oncologist accepts them. Huh?
So...does that mean you get an annual exam ostensibly for "free" (ain't nothin' free, you know), but if they find cancer, you can't actually get treated for it? Is that what that means?
I have not checked other provider lists for other PPOs by Cigna, etc. And I of course didn't check higher than bronze level, since the cost is out of this world. So I haven't verified that this ironic effect is across the board.
But for those with low level PPOs, it sure looks like that is the case. That no oncologists will be accepting many of the ACA plans. I checked on that because a friend of mine who sees an oncologist told me that he told her that he would not be accepting ANY of the ACA policies. I assume he meant individual policies, not realizing that most group policies are also ACA. But maybe he did mean that, too. There are govt and self-insured policies that maybe he meant he'd accept.
Ironic, isn't it? You can find out what's wrong with you, but the insurance won't actually pay for you to get treated for it. So...what's the point of an annual exam?
The fed didn't realize, I guess, that they need the cooperation of the medical community, in order to provide services.