Before I start gathering coverage information, I create a table with preferred or “must have” providers, hospitals, and drugs in rows, with the available health plans across the top columns. I then mark which health plan has the providers in-network and if the drugs are covered and at which Tier.
New for 2016 is a Blue Shield individual and family health plan that offers $7 primary care office visits. The new Blue Shield of California Silver Seven 3750 PPO also has $7 lab tests as well. The trade-off for the low $7 office visits and other health care services is $3,750 deductible and 30% coinsurance for services subject to the deductible.
For years we have been told that the way to put the brakes to sky rocketing health insurance premiums was to let consumers shop and compare costs. While this pricing mechanism certainly works in markets where consumers have access to good comparative information, when it comes to shopping for health care services based on priced, your […]