Be honest: Is it really a butcher shop?

Re: Be honest: Is it really a butcher shop?

• hoffse member

  

  January 2014

  I'm not sure I understand.... are you saying the doctors in this group committed malpractice?  Because that's a whole different ball of wax than insurance.

  

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• Sisugal member

  

  January 2014

  The "Group" is a reference to the employees of this business - who will be insured by the business under the same company plan offered by an insurance company. Occasionally there are a few plans from which to choose.  At least that is usually the way it works. By dealing with a group of employees the insurance premiums are cheaper than if you bought an individual policy.
  
  If I am misunderstanding you, please clarify.
  
  
  

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• CuriousKiddosMama mod

  

  January 2014

  Does your doctor you currently see accept the 'group' health insurance instead of your private insurance? If so it's a no brainer- switch. If you like your doctor more than you like the money you save, then stay with your current insurance. But I think what Sisugal said is what you are uncertain about. A group health insurance is just that- a group of people buying health insurance to save on the rate. Most insurances let you go to more than one doctor, so if there is a doctor that has committed malpractice, don't go to them.
  

  

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• hoffse member

  

  January 2014

  Right that's what group health insurance is - plenty of employers offer that... but OP is implying that it's only a limited group of doctors from which to choose as well - and I'm not sure if that's the case.  OP, can you clarify?

  

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• jenny0284 member

  

  January 2014

  Yes, there is only a limited group of doctors that is in network. They're trying to rework their image, because originally their reputation was to have doctors are not that good.

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• Sisugal member

  

  January 2014

  Just a heads up - many of the new ACA plans have very limited networks of doctors and hospitals that are covered by the insurance plan.
  

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• Xstatic3333 member

  

  January 2014

  I'd look at your own anticipated needs here, and ask your H to talk to his coworkers about the health plan and their experiences.  If you're two healthy adults without plans for kids, maybe this is all you need.  However, if you're going to start TTC next year or have chronic health conditions that require extra care, it might be worth it to stay on your plan if you know it works.  I am of the mind that I don't want to overpay for health insurance, but I don't want to skimp on it either.  I can put up with irritating doctors (we're both blessed to be healthy right now), but I want to make sure the big stuff is covered.  I've seen a lot of friends and family have their finances tattered by unexpected medical bills.  

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• vlagrl29 member

  

  January 2014

  Sisugal said:

  Just a heads up - many of the new ACA plans have very limited networks of doctors and hospitals that are covered by the insurance plan.
  

  that's why you must get a PPO plan.

  
  

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• sparklesandcream member

  

  January 2014

  Are you referring to Group Health Cooperative in Washington state? I've been a member for 15 years and I love. There are clinics all over, all specialties, and you can refer yourself out for many things. Sure, there are doctors you won't like, but with thousands to choose from, that's bound to happen. The bad rep came from them being the first health care system of its kind, like, 75 years ago. If that's not what you mean than see pp's!

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