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MrsBurgos09
LIF Adult
Member since 9/09 915 total posts
Name:
Erica
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insurance question - Blue Cross, Cigna & GHI
Ugh I hate this- anyone have Blue Cross? Happy with it.
Work is changing insurance from Cigna to BC... I was very happy with Cigna...
I am also covered with DH's GHI.. He is a guidance counselor...
Question is do I stay with work insurance now that they are going to BC? OR drop work and just stay with DH's GHI..
Looking for ppls experience with BC...
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Posted 11/9/15 9:37 AM  |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: insurance question - Blue Cross, Cigna & GHI
I only have GHI.
Husbands, got it once we got married. 3 kids later and honestly I never have any issues or felt limited.
Personally I think its great.
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| Posted 11/9/15 9:55 AM |
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BriBri2u
L'amore vince sempre
Member since 5/05 9320 total posts
Name:
Mrs. B
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insurance question - Blue Cross, Cigna & GHI
We have BC and are very happy with it.
Although, there are different plans. DH is union so it is a very Cadillac plan compared to what non union plans offer. I work for a major medical college/hospital and DH's insurance still outweighs theirs. You would need to compare.
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| Posted 11/9/15 9:55 AM |
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JDubs
different, not less
Member since 7/09 13160 total posts
Name:
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Re: insurance question - Blue Cross, Cigna & GHI
Posted by Smileyd17
I only have GHI.
Husbands, got it once we got married. 3 kids later and honestly I never have any issues or felt limited.
Personally I think its great.
Same, have GHI (city employee plan). I feel its a good health insurance plan. We have a separate prescription plan though through DH's union and I'm not as happy with it.
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| Posted 11/9/15 10:24 AM |
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alli3131
Peanut is here!!!!!!
Member since 5/09 18388 total posts
Name:
Allison
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insurance question - Blue Cross, Cigna & GHI
Each plan is differnt so 2 people can have BC and have very different experiences. I would look at the actual coverage details and your Drs and decide from there.
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| Posted 11/9/15 10:28 AM |
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dlj97
LIF Adult
Member since 7/10 4399 total posts
Name:
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insurance question - Blue Cross, Cigna & GHI
We have BC and are very happy with it - every dr I have ever wanted to go to accepts it.
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| Posted 11/9/15 10:29 AM |
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ali120206
2 Boys
Member since 7/06 17796 total posts
Name:
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Re: insurance question - Blue Cross, Cigna & GHI
Posted by JDubs
Posted by Smileyd17
I only have GHI.
Husbands, got it once we got married. 3 kids later and honestly I never have any issues or felt limited.
Personally I think its great.
Same, have GHI (city employee plan). I feel its a good health insurance plan. We have a separate prescription plan though through DH's union and I'm not as happy with it.
Same here.
I switched once we got married almost 9 years ago but, I feel the plan is much better (and more affordable) than the high deductible plan my employer is offering currently.
I'm not happy with the prescription plan either - and the dental, it was much better before he got promoted and entered a new union.
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| Posted 11/9/15 10:34 AM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: insurance question - Blue Cross, Cigna & GHI
Posted by ali120206
I'm not happy with the prescription plan either - and the dental, it was much better before he got promoted and entered a new union.[QUOTE/]
Interesting. I have no complaints on scripts.
Dental- OMG....SUCKS!
Message edited 11/9/2015 11:50:41 AM.
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| Posted 11/9/15 11:49 AM |
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ali120206
2 Boys
Member since 7/06 17796 total posts
Name:
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Re: insurance question - Blue Cross, Cigna & GHI
Posted by Smileyd17
Posted by ali120206
I'm not happy with the prescription plan either - and the dental, it was much better before he got promoted and entered a new union.[QUOTE/]
Interesting. I have no complaints on scripts.
Dental- OMG....SUCKS!
My husband is in the FDNY - it's not a bad plan but, the plan for firefighters is better than the plan for officers (so once he got promoted it got worse - higher copays, etc).
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| Posted 11/9/15 11:53 AM |
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olive98
LIF Adolescent
Member since 11/12 791 total posts
Name:
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Re: insurance question - Blue Cross, Cigna & GHI
Posted by alli3131
Each plan is differnt so 2 people can have BC and have very different experiences. I would look at the actual coverage details and your Drs and decide from there.
Yes, You cant go by what anyone on here says unless you are looking at what the coverage is. All health insurance companies have many different plans.
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| Posted 11/9/15 12:25 PM |
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ali120206
2 Boys
Member since 7/06 17796 total posts
Name:
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Re: insurance question - Blue Cross, Cigna & GHI
Posted by olive98
Posted by alli3131
Each plan is differnt so 2 people can have BC and have very different experiences. I would look at the actual coverage details and your Drs and decide from there.
Yes, You cant go by what anyone on here says unless you are looking at what the coverage is. All health insurance companies have many different plans.
Yes - most people who have GHI though have the City Employee Plan which she referenced.
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| Posted 11/9/15 12:29 PM |
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J9-13
We're gonna be big sisters!
Member since 6/06 14887 total posts
Name:
J9
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Re: insurance question - Blue Cross, Cigna & GHI
I have BC/BS and I'm very happy with it. I work for a union and have union benefits and though it used to be better (lower co-insurance) it's still really good.
Do you know which plan it is? I have POS plan and in network covers 90% for my plan. $400 deductible for each covered dependent
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| Posted 11/9/15 12:36 PM |
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MrsZ2014
LIF Adult
Member since 2/15 909 total posts
Name:
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insurance question - Blue Cross, Cigna & GHI
I second the horrible prescription plan and dental with GHI. I even considered leaving my husband's plan and paying for my own because it frustrated me so much one day.
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| Posted 11/9/15 2:12 PM |
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gina409
TWINS!
Member since 12/09 27635 total posts
Name:
g
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Re: insurance question - Blue Cross, Cigna & GHI
We have ghi through the city and we like it
The rx plan sucked but they recently changed it and it's much better
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| Posted 11/9/15 2:18 PM |
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pnbplus1
Family
Member since 5/09 5751 total posts
Name:
Mommy
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Re: insurance question - Blue Cross, Cigna & GHI
Posted by olive98
Posted by alli3131
Each plan is differnt so 2 people can have BC and have very different experiences. I would look at the actual coverage details and your Drs and decide from there.
Yes, You cant go by what anyone on here says unless you are looking at what the coverage is. All health insurance companies have many different plans.
This. You have to look at the coverage for each plan. Two people with the same ins company can have very different experiences and coverage levels. A lot of it is determined by the individual employer based on what they want to spend and cover per employee.
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| Posted 11/9/15 6:38 PM |
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mnmsoinlove
Mommy to 2 sweet girls!
Member since 3/09 8585 total posts
Name:
Melissa
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Re: insurance question - Blue Cross, Cigna & GHI
We have BC its ok. Its an insurance company and I think they are all sort of the same.
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| Posted 11/9/15 7:40 PM |
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MrsBurgos09
LIF Adult
Member since 9/09 915 total posts
Name:
Erica
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insurance question - Blue Cross, Cigna & GHI
Thanks all - yeah I know the plan specifics really should drive the decision. I am trying to get more info on that - all I have so far is HR said when we are looking for providers in NY look for Direct POS and outside of NY look for Blue Card PPO.
Thanks for the feedback - they are going to give us more info by Friday so lets see
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| Posted 11/12/15 12:50 PM |
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CunningOne
***
Member since 5/05 26975 total posts
Name:
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Re: insurance question - Blue Cross, Cigna & GHI
We had GHI and I loved it. We currently have BCBS and can't wait to get rid of it. Super expensive and high deductible. WE buy through the exchange since neither of us can get insurance through our employers.
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| Posted 11/12/15 9:23 PM |
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