posted
I believe that there is an unwritten rule that insurance companies will only hire people that can count to 28. It is nothing personal against us, they are just felony stupid. They think CDC stands for the Crazed Disease Circus Inc. Now a more serious subject to deal with, and I could really use your input ; I currently have UHC and have the opportunity to change health care bene in NOV. My other option is BC/BS Empire Blue. Has anyone had any experience with this carrier? Both BC/BS and my LLMD can not answer this. Just your experience with them would be useful. Be well, T.
Posts: 61 | From cosmo | Registered: Nov 2004
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posted
I have BCBS of Vt. It all depends on the policy they're offering you. We have several different plans to choose from. the one I have I do not need a referal to see a specialist (which the other plans do.
They also have different plans with different copays and deductables. Read carefully before you sing onto anything new.
-------------------- "Few of us can do great things, but all of us can do small things with great love". Mother Theresa
-------------------- ~Things may happen in my life time to change who I am but I refuse to let them reduce me...~ Posts: 968 | From private | Registered: Jan 2005
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posted
Hello, I have BCBS Blue Choice New England. I don't want to jinx myself but all I have had to pay is 20.00 co-pays for doctors visits and scripts. They paid for 7 months of IV ( I had to pay nothing). They didn't even try stopping it. They are now paying for Bicillin injections also with no cost to me.
So I can say BCBS has been a life saver for me. I guess it depends on what plan. I hope it all works out for you. Thanks, Michelle
Posts: 79 | From Oxford,MA,01540 | Registered: Jul 2004
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Andie333
Frequent Contributor (1K+ posts)
Member # 7370
posted
I'm on Keystone BCBS (self-employed, out of pocket). I have high option personal choice...
The terms of my plan are very similar to Corgilla's -- deductible, then 80% co-pay on generic scrips, high deductible then either 50 or 80% co-pay for out-of-network docs. For in-network doctors, the co-pay is much much less, but my LLMD happens to be out of network. (of course, since my abx run almost a thousand, the co-pay isn't minimal).
I seem to recall someone on the boards (Tincup?) posting that exemptions can be negotiated with BC to shift designation of LLMDs, but I haven't had the stamina yet to pursue this.
As far as IV, the BC web policy for my plan states they will cover one month.
I am just sticking with orals...I figure it isn't worth the fight.
Of course, all this should include the fact that I now pay more than $500 a month for this "top of the line" plan.
Andie
Posts: 2549 | From never never land | Registered: May 2005
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HEATHERKISS
Frequent Contributor (1K+ posts)
Member # 6789
posted
Hi,
I have one of the lower BCBS plans. Direct HMO. So far they have paid for all meds.
but they seem to be making "mistakes" and I have to call to let them know I don't owe for and in network hospital or Doctor, stupid stuff.
It getting to be a pain. Recently they denied payment on 3 tests from MDL Labs that an in network LLMD ordered.
I called and they are going to get the LLMD to explain why the tests we medically nessassary.
These are "dummies" who are going to determine what is medically nessacary over a Doctor.
Can you even image that???!!!!
Oh yea by the way....... They have a Healthline audio tapes on different aliments. The Lyme audio talks about a lyme vaccine!!!!!!
Unfriggin believeable!
-------------------- HEATHER
Posts: 1974 | From ABERDEEN, NJ 07747 | Registered: Jan 2005
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livinlyme
Frequent Contributor (1K+ posts)
Member # 3773
posted
So long as it is not HMO program you will probably do better than most.. many insurance programs are HMO and this is where the lack of care comes in and why most LLMD's wont deal with Insurance....
I know I have heard many complaints from a few LLMD's about the lack of interest HMO's provide to the welfare of the patience,, they place time limits (since they only pay a small fraction of what an MD would charge for there time in an office viist) and restrictions on how many and what kind of tests and treatments... Just my two cents
-------------------- "Hatred paralyzes life; love releases it. Hatred confuses life; love harmonizes it. Hatred darkens life; love illuminates it." Posts: 1389 | From who knows, who cares, but somewhere over the rainbow | Registered: Mar 2003
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; I currently have UHC and have the opportunity to change health care bene in NOV. My other option is BC/BS Empire Blue. Has anyone had any experience with this carrier? 
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