Hi friends, What kind of insurance plan is better for couples? My husband had a PPO before marriage but he got HMO plan after marriage. Which would be a better plan for us if we plan a child? Does PPO require to pay higher premium? Please guide . Thanks
Hi - each plan is very different - I suggest you get all the literature relating to the both plans and go through the benefits offered before you decide. Also take into account, the co-pays you may have, premiums, etc. Some HMO's are restrictive in which doctors you can see - so read through all documents before you make a decision. Talk to your hubby's colleagues and get a feel for the plans. Regardless of which plan you choose, I hope you are utilizing any section 125 plan if it is offered. Good luck!
Hi Deepshikha, Just saw your post and got to know that you are living in LA. I am living in West LA and looking for some friends. Let me know about urself. Thanks Anshita
Hi, I also had the same question about Insurance plans... I have got HMO 100% through my employer now.. I am also in LA.. PM me so we can talk..