Frequent Contributor (1K+ posts)
Member # 5374
I'd suggest at looking at the plans themselves and seeing what freedom they offer. A PPO may be easeir than an HMO, because she won't always need referrals to see specialists. But, of course, you want to make sure the PPO has a good network.
She should be able to get a comparison of coverage that includes what alternative therapies and home treatment are covered. That depends on what the gov't has contracted with them for.
From what I've heard, the Blues don't cover abx over a month. It may just be IV they don't cover.
I have Blue Shield and have been on antibiodics for almost a year. I started off with 2 months of IV antibiodics and now do orals. I also have monthly IVIG, since October. I have had no problems yet.
I had the option of ten kinds of insurance. I eliminated HMOs because I believe they're murdering bastards. Then I sat down, for hours at a time, and read what each had to say and chose the one that allowed me to see any kind of doctor, any time. It was the company itself. I had to pay 20% but it's worth it. I, also, learned to negotiate with all doctors, companies etc to see if they would accept the 80% the ins paid them. Most did. One thing I would do differently is to inquire about the length of home IV treatment for Lyme that they pay for.
[This message has been edited by brainless (edited 13 June 2005).]