Grand Rapids Nesties
charitylynne_1979
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 Question
Does anyone here have BCBS PPO? What do you think of it and how easy is it to understand, etc? We currently have Priority Health HMO and I have a $20 copay for counseling, $20 copays for medications, free med checks for the meds that I am, a copay for office visits, specialitst, etc. I just want to see what everyone's experience was/is with BCBS, etc. It's going to royally suck if I have to start paying more out of pocket stuff than with Priority Health. If it's that bad, I have to go off my medications and that's not something I should be doing.
Re: Insurance Question
We just started with BCN HMO and the copays are higher. I don't like HMO AT ALL. I had to change every single one of my doctors. EVERY one.
However, I had a BCBS PPO when I was self employed & before I was married & never had a problem with it. The co pays are likely to be the same or higher, but at least there are in & out of network options if the person you want/need to see doesn't take the insurance. That is really screwing me over on this new plan. We're going to pay a lot out of pocket just because the kind of doctors that I need aren't available in my area.
I would definitely ask a LOT of questions beforehand so that there are no surprises. I ended up having a meeting with DH's HR lady, insurance rep, VP of company, etc. because I was asking all sorts of questions none of the employees had thought to. Before we signed anything, though, I wanted to know the plan as much as I could. Make a pain of yourself, it is there job to answer your questions.
Here's the only insight I have for you:
If you love your current counselor and wouldn't want to change, find out what his/her credentials are. If your counselor is a Licensed Professional Counselor, BCBS won't pay anything. Folks are working to change this, but change is slow. If you are flexible with your counselor or if he/she holds a different license, this isn't an issue.