Edit: I’m aware that BCBS has a search feature and many sites offer the same thing but what I’m searching for is an actual recommendation otherwise they are just names on a list. Lots of these names have no reviews. This is for my teen daughter who has been to three therapists already this month and cannot be put through ”trying out" a fourth. This is why I’m asking for a personal recommendation. Thanks.
Hi everyone!
Just a heads up, if you have BCBS for insurance and want to get reimbursed for your at home covid test purchase, keep your boxes! I just found the form and in order to get reimbursed you not only need your receipt, but also the original UPC label cut from the box. I already used one of mine a few days ago and thought all we needed was the receipt, but alas, lesson learned.
I just got BCBS coverage through a new job. The app says there aren’t any in network primary providers within fifty miles of me. Can this really be true In Richmond with this popular provider??
Basically the title - choosing insurance is so confusing sometimes. Thank you guys
I am having hard time determining preferred providers for fep blue shield basic. Does anyone know how to differentiate between participating and preferred?
Have any of you used BCBS Basic or Carefirst Standard and experienced how good/bad their maternity and NICU coverage was? It looks like BCBCS has an $875 hospital stay max, but Carefist is 20%/30% for hospital coverage and that always confuses the hell out of me.
As background, I'm DC based, and recently found out I am pregnant with twins. I used BCBS Basic for YEARS, and thought the coverage was solid. I moved last year over to Carefirst for the better infertility coverage and well... now we've got twins on the way.
With my age (over 35), and health history, this is automatically considered a high risk pregnancy. I was told they'd come out ~2 weeks before their due date via C-section, if not a week or two before that if needed. This means they could have a few day to a few week NICU stay, and I'll be in the hospital a few days too. I'm also getting monitoring from an endocrinologist and a little above the norm from the OB, so more appointments/copays/etc.
Both plans cover all my doctors in network, with the exception of 1 which is in network for BCBS, but in some out of network middle tier with Carefirst that requires an 80 dollar copay. I also use an FSA, so I've got that covered.
Thoughts and experiences with both plans? BCBS is $100/cheaper per paycheck, so that is a definite selling point.
I love Kaiser because of the convenience. My go-to locations are the one on Sunset and the one on PCH. I’m able to go in for an appointment or even urgent care and be out in about an hour or so. Then, if needed, I’ll walk over the their pharmacy, grab my meds, and go home. Their app is a little buggy at times but it’s very useful.
I’m probably going to switch to Blue Cross/Blue Shield because Kaiser has gotten too expensive through my job. Anyone have experience with this provider? I’m looking for a location that’s covered by BC/BS, is clean, and has low wait times for appointments. Urgent Care and on-site pharmacy are a plus. I can go anywhere between DTLA and Torrance/Carson/Lomita.
Thank you for your time.
Hi, all! For federal employees, just wanted to give a heads up that I just got my first ozempic 0.25/0.50 pen covered by BCBS Federal PPO Basic. The price was $24.99.
I had a literal planning session with my doctor on this. Since my latest blood work has me just at the beginning of pre-diabetes, I pointed this out to her and she said she would do some research on how to the write the script so BCBS would cover it. So, I don’t know if she included the pre-diabetes part in the Rx or not. I know the prescription was initially delayed at Walgreens, but don’t know if that was a supply issue or a BCBS issue.
Anyways, Rx was submitted to Walgreens on Tuesday. By Thursday (yesterday), it was ready for pick up.
So, just to let all you feds know, BCBS Federal PPO will cover ozempic instead of Wegovy - for someone with pre-diabetes at least. Hope this helps y’all!
Does anyone know if this procedure (I’m 48, doctor recommended) has any copays, deductible, coinsurance, etc?
Or is it considered preventative and fully covered with no out of pocket?
What are the (United States) health insurance issues that you have experienced during your breast cancer treatment?
What tips would you give me - someone newly diagnosed?
I have proceeded so quickly my head is spinning from:
Regular screening mammogram: micro-calcifications observed
--> Call back imaging
--> Stereotactic Breast Biopsy
--> Double mastectomy for DCIS (Ductal Carcinoma In Situ) with aesthetic flat closure on Monday Oct 18
Out of pocket fees paid so far:
$975 - Surgeon fee for bilateral mastectomy
$1000 - Paid to hospital day of outpatient bilateral mastectomy. Not sure what that included
$30 - Masthead compression bra
I live in WA and the company I work at was acquired. The other day we went over the benefits the company offered, one of which was a HSA with Blue Cross Blue Shield, I’ve had them in the past but this was before I started my transition, I’ve also had Kaiser during my transition. I will say my past experience with BCBS wasn’t great but I dunno how it is with transgender care. Open enrollment is Monday. Does anyone have experience?
Greetings, everyone! Brand new here, in the "friends and family" category. Have a 20-year-old family member with IBD.
Fed. employee in the DC area, considering switching to BCBS/standard option during "open season", coming up in Nov/Dec. Family member tried Humira, but quickly developed antibodies to it. Has been on Stelara with very good results for about 18 months. First took it every two months, then was upped to once a month, which is the dosage that works.
Current health plan has been OK, but they've now denied Stelara as "not medically necessary", dosage not within CDC guidelines, etc. Gone through all the appeals (with their robo-generated denial letters). Now the last step is a "peer-to-peer" review.
Since I have a window of time to switch, wondering if BCBS is less apt to deny, or if patients on that plan do better on appeals on these biologics.
I thank you all in advance for your input.
Yeah that's the last possible minute to change my plan and I really need to because thanks to the government not liking my proof of income, I'm paying $650 a month for insurance.
Does anyone know where I can find out in my deductible should reset if I change to a different plan within the same provider?
