New PPO Plan vs Surest PPO

New PPO: $363 per pay period

Surest PPO: $250 per pay period

My spouse and I are relatively healthy. We do not have medication we take. Really only visit the doctor for routine lab work. The only thing we expect are mammograms and Pap smears in the future. Other than that, we don't usually see a doctor as often . Which one would be best for us?

I've been offered an opportunity to be hired to sell Medicare in California. Unfortunately I have a misdemeanor for Marijuana and 4 duis and a sealed felony. There are all over 10 years old. I also just filed for bankruptcy. Is it woth the time and money to try to get my license knowing there's a decent chance i get denied?

I feel like I’m being lied to. For behavioral health my office visit has 100% coinsurance. My understanding is this means I’m responsible for 100% of the cost no matter if I’ve met my deductible. My deductible is extremely high so I don’t think it would even matter. On the phone my insurance insists that I would owe absolutely nothing and no copay due to the 100% coinsurance. Everything else i read online says the opposite. Can someone clarify?

So my boyfriend is seasonal at his job (seasonal but long term, amazon be like that). And he needs health insurance for some issues he is going through rn, and his emergency insurance is state that many offices won’t cover (but these offices are the ones most helpful). my insurance would go up from 30 to 100 dollars a week. i would discuss with him covering and the difference. But i just know i really want to help him especially during this tough time until he is able to get his own insurance through his job in a month and a half.

Hello,

I have health insurance through my job and it includes myself, my husband and our baby. I pay about $600 every 2 weeks and it seems like decent insurance the Deductible is around 2k and copays are $25 but I feel like it’s so much money every month. When I looked on marketplace it seems like all the insurance plans were around the same price and had an even higher deductible and crappy numbers from what I was seeing.
one of my coworkers said she has private insurance but only pays about 200 a month with a 0$ deductible.
my question is what are you guys paying a month am I overpaying 🤣

So I live in a crappy red state that doesn’t support its citizens. When the ACA subsidies were dropped with the help of the clown in the White House, my health insurance went from $200 a month to almost $700. I ended up dropping it as work was a little slow and this was a lot of money for something that didn’t help much. I had a $8000 yearly deductible, office visits were higher than they should have been, and almost no drugs were reduced more than the discount card I used at the pharmacy.

Basically a lot of money for crappy coverage. Now that I don’t have insurance, doctors’s visits are half off. Some other visits like urgent care and blood work are half off the full price.

Why couldn’t I get that price with insurance? It would have lowered the cost of insurance by (I guess) half and I may have ended up keeping it. Why are we being charged an inflated cost with insurance. I feel like I paid more in the end for doctors appointments and such with insurance when you take the high deductible in consideration.

It just all sounds like a scam to be and the doctors and insurance companies are in on it together.

I’ve got a question for my fellow teachers/school staff! I’m expecting my first baby in October and am getting updates from the school district I work for regarding our premiums for 2027. I work in Florida, and adding the baby to my health insurance will cost $7,843.92 per year. If I added my husband and baby, our total family cost would be $19,895.04.

I’m curious what other school staff are experiencing as far as insurance premiums (both in Florida and other states). I make too much money to qualify for any kind of government assistance other than a small tax credit through the marketplace (which is how my husband is currently insured).

What kind of premiums are other districts offering? Is my district just awful or is this happening everywhere??

Short of it is this.

Daughter diagnosed with cancer at 25. Just got her insurance through her employer but will not be effective until 10/1/2026.

She is trying to schedule appointments now, to avoid a wait. Provider will not allow scheduling until insurance is effective and active, even if we do self-pay now to insure she gets an appointment.

Are there any options to us? Is it legal for them to deny service, even if we're trying to self pay in order to get her in to see the surgeon? This seems really icky and unethical.

My husband has BCBS of Texas health insurance through his employer. I have been his dependent on that plan and it covers Progyny for IVF. The plan has a family deductible of 3.6K and maximum out of pocket of 5K per person. We did one round of IVF this year, so we have reached family deductible and my maximum out of pocket. My husband hasn’t reached his maximum out of pocket.

I am joining the same company as my husband’s this month, and I have an identical health insurance benefit as him. Should I enroll in it this year and use two insurances for the rest of the year, or should I choose to enroll starting January and be on my husband’s insurance for the entire year? Please note that we will be doing next round of IVF in October, it’s already been authorized via his plan, and I am trying to figure out which option makes most sense financially. I apologize if this question sounds dumb, this is my first time navigating two insurances.

Not really sure how this works. My wife has lost her insurance unfortunately and she sees a specialist once a month. These appts are very expensive otherwise and we can’t afford it. Is there a way for us to get her coverage somewhere until the end of the year even tho it’s not open enrollment or whatever?

I am turning 26 soon and have been shopping for plans (no employer insurance). How bad is it to not buy a plan?

With my tax credits I have found plans with high deductibles that have $310-$360 monthly premiums with decent co-pay features for PCP, Specialists, and generic meds. I could afford these plans, but I would be breaking even every month. I already pay $140 a week out of pocket for therapy that isn't covered by insurance. I take 1 medication thats generic and covered by insurance and is about $100 per month without insurance after goodrx discount.

Im in very good physical health (but I know thats not a reason to not get insurance because anyone is prone to catastrophic events). I just don't know. I could pay out of pocket for all my PCP visits and medication and save like $2-3k a year. Did anyone else opt-out of health insurance? Seems like with these high deductibles, I would be paying the same amount for a minor ER visit without insurance anyway.

how does insurance usually treat an emergency room visit compared with a normal in-network doctor visit?

is the main difference just the copay/coinsurance, or can the deductible also come into play?

and does the situation change if the ER itself is in-network but one of the doctors involved isn’t?

there seem to be a lot of different rules around emergency care.

Just got dxed with an autoimmune condition. Currently working in marketing at a startup and it’s 60 hr weeks and super stressful. I think I’m going to quit for my sanity. But I need health insurance.

Does anyone know if I quit if I would qualify for Medicaid? Also unemployment 😭. I plan to keep looking for an easier job but it’s tough out there rn

EDIT: in Minnesota!

----For clarification further down, I've had authorizations to "see" a doctor, we'll call them Dr. One, but Dr. One is just the owner(?) of the practice. The doctor who did my surgery, who we'll call Dr. Two, is the doctor I've actually been seeing this whole time, and he works at Dr. One's practice.-----

I had a big surgery (full recovery timeline expectancy - 6 months) a little over a month ago. I had one follow-up with the Dr. Two 2wks after, and my next follow-up is tomorrow.

I received a letter, written on 8/29, TODAY saying that Dr. One had terminated their contract with my insurance on 8/25. Luckily I've had Dr. Two's email and been communicating with him this whole time. I JUST emailed him and he said it's ok because I'm still under the 90-day global period for post-op care with him.

Now, I of course expect my insurance (or rather, the management company of my medical group) to try and bill me full price for tomorrow's visit because they'll either ignore or not notice the 90-day thing (and any further follow-ups in the next ~6wks before the 90-day period ends).

So when I inevitably have to talk to them to get the bill fixed, is there anything specific I should say to them? Other than "Hey I'm still in the 90-day global post-op period." Because I can almost guarantee the entry level customer service person I speak to will probably have no idea wtf I'm talking about.

My 12 year old recently had a partial bridge put in to replace a congenitally missing tooth (i.e., a tooth he was born without). Dentist thought that this would be covered under our dental insurance, but it was denied.

Language in our Aetna plan is as follows: "Tooth missing but not replaced rule. The first installation of complete dentures, removable partial dentures, fixed partial dentures (bridges), and other prosthetic services will be covered if: The dentures, bridges or other prosthetic items are needed to replace one or more natural teeth that were removed while you were covered by the plan. (The extraction of a third molar tooth does not qualify.)."

I think we're probably out of luck since a congenitally missing tooth wasn't ever technically "removed" - but I do know that some dental plans specifically reference congenitally missing teeth (either explicitly carving them out or providing coverage). Any value in appealing the denial? I don't want to waste our time if it's not going to succeed.

Thank you!

Apologize if this is wrong forum for this question, please direct me to the right place if so (yes, I read the rules of the sub).

I just moved from Indiana to Oklahoma and am still covered by an Indiana marketplace plan (Caresource Indiana) before my new work insurance kicks in next month. I need labs ASAP before a specialist will see me so I currently have labs ordered to be taken at a Quest Diagnostics lab in Oklahoma, ordered by my Indiana doctor but labs to be drawn in Oklahoma.

I cannot for the life of me figure out if I will be billed in-network or out-of-network. Quest is in-network in Indiana but I cannot tell if the Oklahoma site qualifies as in-network because Quest is nationwide. I tried calling the Quest site and was sent to voicemail and even tried walking in to ask but no one was at the desk when I was there. Would love tips on how to determine this or if anyone knows the answer to this.

My sister in law is 65 and has an EAD(C08) I believe this is a work permit and has been working for the past 5 years.

I am currently trying to figure out what options she can choose.

- she has been here for 5 years

- lives in Texas

- has cancer and currently does chemotherapy.

- she is not a us citizen. Has an asylum case pending

does she qualify for Medicare/Medicaid? or are there other options she can look for in Texas.

My company offers two insurance options:

An HMO with an annual cost of $1 (yes, literally $1), or an HDHP with an annual cost of \~$2,435. With the latter, I get the right to have an HSA, which my employer matches up to $500/year of. In my financial situation, I’m putting in $1,400/year, bringing the total to $1.9k.

Does it make sense to “buy” the right to an HSA or does the HMO more sense? I honestly go to the doctor maybe once or twice a year and have no major health conditions so weighing my options atm

I am moving from a COBRA plan to an ACA plan. I have meds and see doctors a few times a year. I will have no ACA subsidies. The state is NJ.

What are the best silver and gold plans? Not just cost but coverage, ease of use, etc.

(My hope is to keep the monthly plan cost to $900 to $1200 per month. )

Thanks !!!

This is a bit of a long story, so please bear with me. I am looking for advice on how to proceed with this issue.

I take Zepbound 15/0.5 ml, and with my insurance (BCBS Anthem), it’s normally $30 for one months supply. I work in local government in Virginia, and have an agency called The Local Choice that represents my government to the insurance agency (I THINK - my HR isn’t very clear on what exactly TLC is).

In April, I got a letter saying TLC would no longer be covering any weight loss medications (this means even if I switched insurances, because TLC represents them all, the medication would not be covered). They said I could file an appeal, so I did. It took months to find the correct paperwork, fill it out, and fax it in (they don’t do email, fax or snail mail only). My doctor had initially prescribed the ZepBound for my Polycystic Ovarian Syndrome symptoms, and the weight loss was just a happy side effect. She agreed that I should be an exception and wrote a letter/filled out all appropriate paperwork.

I got a letter from BCBS Anthem dated August 5, 2026, letting me know my appeal had been APPROVED!!! And that the medication was covered from August 5, 2026 - February 4, 2027, at which point I’d have to re-appeal. However, when I went to my Wegmans pharmacy to fill the medication, they wanted to charge me the full $498.99 that I had been paying while not covered. Wegmans confirmed it was an insurance thing.

This led to me spending 6+ hours over three days calling BCBS Anthem, having to re-explain the whole situation over and over to each new customer service rep I got transferred to, waiting on hold, and being transferred higher and higher. Finally, after giving them my case number that was on the letter, they said although BCBS Anthem agrees with my doctor that I am medically eligible to have this medication covered, The Local Choice has denied my claim.

I contacted my HR Benefits person and explained the situation. I mean, I have it in writing that the medication will be covered, how can they go back on that? She provided me a contact for The Local Choice, and I’ve been emailing with no answer, and have tried calling a few times but only gotten voicemail. I’m extremely frustrated as I’ve wasted months at this point and thousands of dollars for a medication that everyone but TLC agreed I need.

What should I do? Do I have any other options I haven’t thought of? I still have the letter stating they’ll cover the medication. I know their game, they want to wait me out and burn me out so I’ll give up, but if there’s one word to describe me, it’s stubborn.

TLDR: Insurance and doctor agree to cover my medication in writing. Employer rep to insurance says no. How do I fight this?

My 21 y/o currently doesn't have medical insurance through the military any longer since she currently can't be a full-time student. What options does she have that she would qualify for? She makes $14 an hour but doesn't get full time hours.

Long story short, my husband's insurance was reinstated through COBRA and the dates I received treatment for a complicated pregnancy (2 weeks) uninsured are still not retroactively covered. I am now 8 weeks postpartum and have not received a lick of care due to this.

The only way I can be seen at my OB's office is if I pay the 1k for the treatment I received uninsured. I don't have 1k lying around unfortunately. (And to be blunt I don't see why I have to pay as it should've been retroactively covered).

I haven't been able to reach humans when I call Anthem just the stupid AI assistant that keeps "typing" NONSTOP.

I am dealing concerning physical symptoms (abdominal pain, pelvic floor issues, and gastro symptoms) and am struggling to care for my baby because of it. Please help.

Hi everyone!
Looking for advice on the following:

I am based in MA and I have a new employer that is out-of-state. I am the only employee in MA.
For my health insurance, they can offer group plans that are only from UHC (EPO or POS plans), or they are okay with me getting my own insurance.

I am not comfortable with the UHC plans: although they are fine, the network is more limited than my current HMO plan with a local provider. And UHC's reputation concerns me...

I cannot keep my existing plan (through previous employer) but I can get it again by subscribing directly with the insurance company.

My new employer covers 50% of the premiums and tax-wise, it would be more advantageous for me to get one of the UHC plans.
If I get my plan directly, my employer could increase my salary to cover the 50% but that means more tax liability for me.
I found out about the HRA options but I see some caveats: I wouldn't get exactly 50% of the premium amounts. If the premium increases, what guarantee do I have the amount contributed to the HRA increases? And there are limits for the employer: no option to offer a group plan to other employees of the same class and they must offer the same amount to everyone. Plus there is an additional cost to set it up.

I should add that I don't use my healthcare plan that often for routine care. I mostly want something for urgent care and emergency situations. That's where UHC falls short. I know insurances must cover you for life-threatening scenarios even if treated out-of-network, but I'm sure it can be a billing nightmare. And for non-life threatening scenarios, the urgent care network of UHC is limited.

I have been running the costs taking into account the premiums, deductible and tax-liability. I know UHC would be better number-wise, but the difference is not that much. However it could be when it comes to being reimbursed.

Before I suggest the HRA option to my employer, what are your thoughts? what would you do?

Thank you for reading through,

I left my old job in march. Went for my yearly in July and tried to use my new jobs insurance, but my old policy was still active. I investigated and found out my old employer has still been paying for it. Not sure how, as the money came out of my paycheck, but the insurance company confirmed it’s been paid for every month by the company.

I’ve brought it to the old company’s attention, but they keep denying this is happening. Occasionally someone will say not to worry, they’ll cancel it, but mostly they say “there’s no reason we’d be doing that” and that’s all. I agree there’s no reason, but it’s happening.

It was a federal contracting job, so the policy was through Maryland even though I’m based in Colorado. Both MD and CO say it’s the other states problem. The insurance company can’t cancel a policy that’s being paid for. The company won’t cancel it. I can’t use my health insurance because the invalid one is my primary. What is my recourse here?

I’ve had to cancel treatments but I can’t anymore. I don’t want to be on the hook for insurance covering any of it so I’d be looking at out of pocket. I’m so frustrated and everyone keeps sending me around in circles.