Quote:
Originally Posted by MrWookie
A primary care physician is just the doctor you would describe as "your doctor" who would generally be the first doctor you would go see for non-emergency things. If you don't have one, then you look at the website of the local clinic in the network, see who's accepting new patients, and then pick one. The HMO model generally wants you going to your doctor first for most everything, and then your doctor makes referrals to other doctors in the system as needed. In exchange, it's cheaper for you. The PPO model gives you the flexibility to see whatever doctor you want, but you pay more for it.
Eh... how come everyone knows this stuff but me?
PPO is about my speed. Pick up the phone and see if someone can see me tomorrow, if not move on to the next one.
The binder they gave me is 100 pages of words that mean nothing at all to me.
Deductible? I'm not paying $3,000, so yeah, I'll gladly pay less for what I normally pay full-price for. I don't think eyes and dental kicks in for a few months anyways.