bumped because it never showed up on the recent diary list
The Blue Cross-Blue Shield PPO was supposed to be the big change that made the state employees health care plan "worth it". Sure, you pay more each month, but you are supposed to make it back because there is less coinsurance, deductibles, etc. Only one problem with that, it only works if you are "in network". We've spent several weeks calling (hours each day) looking for speech therapy and occupational therapy for our kids.
No one is contracted with the PPO. No one. The closest speech provider is an hour away. The closest occupation therapy provider is at a hospital clinic a half-hour away, which requires you to park in a pay-garage, which is a 10 minute walk away, which makes it a 40-minute trip. Under the old plan, we paid "more", but were able to get services right here in town. So, why the change?
According to the providers, the PPO now reimburses less than Medicare and Medicaid.
We were warned about this. Psychiatrists I knew said they would be forced to accept this insurance because they worked at UNC, but they were trying to keep the option quiet and to tell people not to get it, because the reimbursement would be so bad. I only have one thing to say. Thank goodness we have a Democratic Governor, House, and Senate. Otherwise, who knows what kind of "horrible" health insurance they might give state employees. It's time for state employees to be eligible for Medicaid. BCBS is paying the same rate, so why not.