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YS1103 | My employer changed insurance companies and My eye doctor does not take the new company? |
But I love my doctor I finally found a doctor I like and that is nice and patiend and explains things. So through my employer it cost me 5.34 a month I checked out individual insurance with the company I had before that my doctor does take and its 13.00 a month. Should I just go with my employer for cheeper and have to go to a new doctor or should I buy the outside insurance and stick with my current doctor. the only thing is I have to pay the 156.00 up front for the year and that's not even a problem. Will I still have good benefits what s the diffrence in buying on my own and buying it through my employer? I really do not want to change eye doctors. |
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fth106
 |
So if you don't take your employers insurance and take out the private insurance, your net out of pocket would be $7.66 per month ($13.00 - $5.34). That is less than $100 per year. Do you think it is worth that amount to keep your current doctor. I would in a heartbeat because, like you, I have a doctor I trust and appreciate. They are hard to find and worth the extra expense. |
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robert w
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go to new doctor or pay old doctor.
pay cash unless u have major issues then get insurance.
'love' and money do not go together. |
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zippythejessi
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Well, think about this - how often do you see the eye doctor? If it's only once a year, it might be worth paying cash for the visit and leaving your insurance as it is. If you have major eye problems, you might want to switch.
The other reality is - if you buy your own insurance, you might run into the problem of "pre-existing" conditions and "waiting periods" - meaning that the insurance has the right NOT to pay any of your claims within a certain time period that THEY determine. So, you end up paying anyway.
BTW - if you have out of network benefits, it might be worth submitting your claims from the eye doctor yourself and letting the insurance company pay you back. |
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Danny
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If the money is not an issue & you like the dentist that you have, pay a little more & get what you want. Check the variable of both insurances and make sure you are getting the same benefits. You might even be gettin a better plan through private insurance. |
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BONNIE R
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If your employer offers health coverage that can be broken apart by specialty, such as dental, medical, optic, than take the coverage that you can through your employer and opt out of the vision plan. Understand that if you choose to opt out of a company sponsored plan, you may not be eligible to enroll in that part of the plan until the next years open enrollment period. As a HR manager, know that if you choose to opt out and at a later time want to enroll in the health plan, the insurance company can than demand proof of good health, and possibly decline your coverage. Most vision plans cover a bi-annual eye exam and $100 towards glasses or contacts. This seems to be the cost if you were to pay up front anyway. Check out your costs, exam, glasses, etc, against the cost of the insurance, than make your decision. I usually suggest to our employees, go with the insurance, and if you have a doctor that won't take the insurance that you really love, pay them for your office visit. The important thing is that you have coverage in case of a major medical emergency. Good luck. |
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spywaredr
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take this conversation to your DOCTOR. if your dr wants to keep your business,that dr will sigh up for your new plan.
always works for us. dr.'s don't know when we switch plans,it's up to us to keep or dr.'s current with whatever med plan we have
good luck |
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