October 2011 Weddings
ldawngirl
member
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Insurance
I saw a lot of you doing a WTF Wednesday about insurance - I'm in insurance (or was until yesterday!), so if anyone has questions, feel free to ask!
Re: Insurance
You must be one smart lady.
I'm not sure if you can help me.. but here is my question.
I'm on DH's insurance (it's a whole lot better than mine). This year it's with cigna & it's a PPO plan. It's changing to blue cross blue shield of texas (even though we are in Indiana?) for next year. There are two options. One is a PPO option (higher premium, lower dectible, slightly lower OOP max). The other is a CCP, consumer choice plan + HSA option.
When I look online here (just from googling) is shows that there's a HMO & PPO option. I need to know which one theirs is, because it doesn't break it down on the description he has. Either that, or I am just not reading into it correctly.
I ask this because, if it's an HMO, my PCP & obgyn are in different health networks. And, if I understand things correctly, on an HMO you can only go to doctors in your PCPs health network? Even though they may both cover bcbs. And I love my obgyn.. and since we are hoping to have a baby next year, this is very important to me.
If it turns out to be an HMO, can I select my obgyn as my primary care doctor? I rarely see my PCP anyway, but I do like him!
I've tried to call the 'general questions' line through his work (twice).. and all they do is read me the paper I have and it does me no good. I also tried to call the bcbs health line questions, and while she understood my question, she had no idea what the CCP was, and said that must be an option specifically for his company.
Is what I'm trying to ask making sense?
Yikes, that was really long and not just one question, ha.
BTW, the ppo plan will cost us $1300 more in premiums for the year, and the max OOP is only $300 less. So we are really leaning towards the CCP.
TTC since March 2012
BFP 3/14/13!!!
U/S 4/15: Identical twins!
Lost my angel boys at 10.5 weeks
My Chart***My TTC blog
For the PPO vs. CCP, I would recommend CCP for reasons you've already stated. Plus the HSA option with CCP is nice!
Sorry I wasn't more helpful! That is definitely a tough one!
Yeah, I have the email address to his HR person. I'll probably end up sending him an email. DH told me to try that last, because he's new and doesn't seem to know a lot about what's going on. But, no one else seems to either, ha.
DH is a plumber, and usually not in the office during normal office hours since he's usually out on a job. So it's hard for him to go in and talk to him. Plus, I don't think he really understand either, haha. But, he understands that it's important to me that I stick with that doctor.
Thanks for your help!
TTC since March 2012
BFP 3/14/13!!!
U/S 4/15: Identical twins!
Lost my angel boys at 10.5 weeks
My Chart***My TTC blog