Honestly, the actual thing you need to check is the benefit structure of the insurance plans. You need to see which medications are on the formulary, covered conditions, procedures, etc. See if your doctors or hospital system are in the network, or if it will be incredibly difficult to stay in-network in your area. Nobody wants to be in the situation where they have to travel to another city in order to go to the ER or even a regular check-up.
this post was submitted on 28 Aug 2024
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It's my state's BCBS which I'm actually with currently through the marketplace and haven't had any issues. My mom is very healthcare savvy so she's gonna take a look with me this weekend
HMO stands for Hand the Money Over
Not Hog and Masturbation until Orgasm???
I have only been in the US a short while but I hear horrific stories about them.
looking into it
My wifeโs BCBS PPO has been ungodly great for my trans care. My bottom surgery didnโt cost a dime and my meds are well covered.
If you live in a US blue state I think the HMO will be fine. Otherwise you should probably figure out which local hrt provider you will want to use and see if they will work with your insurance.
Ya I'm bloo. I could also go through Cost Plus Drugs to get it for pretty cheap sans insurance I guess
Honestly that might be the better way. Don't have to worry about those weird headaches. Best is to find a homebrew ring in your area but that requires spending a lot of time at dive bars.
In my experience, PPOs are nearly as restrictive as HMOs, but far more arcane.
I have had many experiences where in attempting to see a doctor, I find one that seems to accept my insurance, only to later discover that they only accept the platinum plan, and I'm on the Platinum PLUS plan, so actually none of my visits were covered.
With an HMO (I had kaiser, which was by far the best healthcare I've ever had) shit was obvious. You got treatment from the HMOs offices, and you were covered.