Exactly, and the very thought of using Blue Cross-Blue Shield is sickening.
“Exactly, and the very thought of using Blue Cross-Blue Shield is sickening.”
In Maryland, CareFirst (Blue Cross/Blue Shield) is pretty much the best health insurer that is not for rich folks.
As a small business owner, I've tried most of the others, and the fact is that my CareFirst PPO, although fairly expensive, pays, without complaint, and in full. When my son had a brain tumor a year and a half ago, not once did anyone ever say, “We have to check with the health insurer to see if we can do this.” Rather, they saw that we had CareFirst, and it was never a question.
We had over $80,000 in bills 2007, and after the deductible and the co-pay, they paid everything. A couple of times, on a couple of items, they screwed up the reimbursement to the health care provider, requiring dealing with their bureaucracy, but during 2007, my wife had surgery, my younger son had two surgeries and countless doctors appointments, hospital visits, CT scans and MRIs, visits to specialists, and my older son also had to see several specialists.
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