Whoa this is a tough decision... Through the UV plan, prescripts are covered with a 15/35/50 copay but there's a $250 annual copay to see a specialist. However, once I've met that, I only pay $20 (assuming in-network) a visit. As it turns out though, even if I have a private plan, I can go to the health center (HC) and pay no deductible too, as long as it is routine care. However, if they do any diagnostics, I have to pay out of pocket and file a claim. Seems like it would make sense not to let them do that stuff. Also, apparently at the HC they ARE real doctors which I was worried about (maybe that's silly but I don't want some student giving me a pap-smear!). Last, the UV plan is only like $20/ month cheaper...So, I guess I am going to call the private company now and see what they have to offer...
Is getting a referral a big enough deal that I should pay the extra $40 a month? (Note: $40 will be a lot of money to me).
Quote from: Reesespbcup on May 24, 2007, 09:55:24 AM Is getting a referral a big enough deal that I should pay the extra $40 a month? (Note: $40 will be a lot of money to me). If $40 a month is a lot to you, then get the school one. Basically, the school one is giving you an HMO plan instead of a PPO plan (btw, if you are getting a PPO plan for $150 a month privately through United, see what they would want for an HMO plan...since $150 is very low for non-employer subsidized PPO insurance and UnitedHealthCare is not some budget company).I don't suppose you're under 25 and can go back onto your parents' insurance since you'll once again be a full time student?
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