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BCBS is a crock - Riverspirit60

Posted: Feb 11, 2013

With the way BCBS is set up, I'd be better off not having insurance. They set an impossible-for-me-to-meet deductible and then they only pay 75% afterwards? Oh brother. There's no way I can afford that deductible. Thank goodness I'm a fairly healthy individual.

I hear MM insurance is a good deal, very reasonable. - nm

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x

oh that's interesting - nm

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nm

It's not the falut of BCBS - anon

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That's the policy your company bought. BCBS didn't just arbitrarily decide to offer those benefits to you.

Be careful before you dump the insurance..sm - Old Woman

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I don't work for Nuance but did in the past. I had always been a relatively healthy person, too, but I fell ill in the summer of 2010 and spent 6 months...yes, SIX months...in a hospital, clinging to life and have had health issues ever since, including several hospitalizations, surgeries, and procedures as well as having to take a butt-load full of medicine. My point is that you never know when you will need insurance and when you need it, you NEED it. I realize that insurance premiums are high, but the cost of a lengthy hospitalization can bankrupt a person.

My BCBS through hubby's company is very good - sm

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It seems they hardly ever charge anything on the deductible. There is a negotiated fee between the plan and the hospital network. It would be pretty expensive if hubby's company did not pick up most of the tab. Better benefits are definitely needed for MTs.

It is basically to guard you against a catastrophic illness - sm

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The insurance used to be a lot better at Nuance before they acquired all these other companies. I didn't have group health ins. at my previous employer (I was an independent contractor) and had to buy an individual policy, which included even less than what we are getting through BCBS now, and it cost 3 x as much. I was going to quit Nuance and go back to my former employer and found out I had lupus. I can't afford not to be with a group plan.

check out Aetna - Snow Bunny (the original)

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I have them through AARP, and I'm pleased with the coverage they provide. I pay $308 per month, which I think is fairly decent.

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