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Choosing insurance
My husband is starting a new job for LIRR. We need to choose benefits he can choose the NYSHIP plan PPO or an empire plan HMO. The NYSHIP plan is no cost to us and the HMO empire plan is $232 weekly. I thought NYSHIP is the better insurance but now that I see it's no cost to us, I am wondering if it is good? I was and still currently carry the benefits. My employer had Aetna and just switched to Cigna. Our out of pocket expenses have gotten out of hand lately and now Cigna has so many more coverage exclusions
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Posted 6/6/17 9:20 AM  |
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Long Island Weddings
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Choosing insurance
My understanding is that with a PPO you don't need referrals to see specialists, while with an HMO you do.
I am not sure if that is still the case but we have a PPO and it's great..
However you would have to compare the plans side by side to see what the differences are and what is covered on one vs the other, the differences in copays, deductibles etc. His employer should be able to provide all the details on each as well as a comparison
Message edited 6/6/2017 9:26:15 AM.
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| Posted 6/6/17 9:25 AM |
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MrsT809
LIF Adult
Member since 9/09 12167 total posts
Name:
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Choosing insurance
We have Empire nyship and it's excellent. Accepted by most, no referrals required, no deductibles, etc. Never have an issue having anything covered.
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| Posted 6/6/17 9:31 AM |
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MrsMango
LIF Infant
Member since 8/14 231 total posts
Name:
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Choosing insurance
100% take NYSHIP
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| Posted 6/6/17 9:54 AM |
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LuckyStar
LIF Adult
Member since 7/14 7274 total posts
Name:
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Choosing insurance
I have NYSHIP through my new job (not free though it's over $200 a paycheck) and have had issues with doctors not taking it. Actually, none of any of our doctors take it but all of our doctors are in the city so I think that's why. My bigger concern is out of area hospitals not taking it. Not sure about every hospital in the city (NYU and MSK definitely take it) but I'm highly unlikely to use a LI hospital for anything other than the ER.
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| Posted 6/6/17 9:59 AM |
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Diane
Hope is Contagious....catch it
Member since 5/05 30683 total posts
Name:
D
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Re: Choosing insurance
I agree take the NYSHIP
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| Posted 6/6/17 10:08 AM |
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luvbuffet
LIF Adult
Member since 7/10 6470 total posts
Name:
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Re: Choosing insurance
10000000% nyship
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| Posted 6/6/17 10:14 AM |
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mommy2be716
LIF Adult
Member since 1/16 2921 total posts
Name:
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Choosing insurance
NYSHIP for sure. We had that and had no issues at all
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| Posted 6/6/17 10:43 AM |
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chilltocam
LIF Adult
Member since 11/11 9141 total posts
Name:
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Choosing insurance
Absolutely take NYSHIP! It is great insurance. This is not an instance where cheaper is cheap.
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| Posted 6/6/17 11:17 AM |
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Choosing insurance
Thank you all! I called to confirm with my sons gastro and cohens speech and hearing since I need those doctors.
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| Posted 6/6/17 2:42 PM |
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Mill188
LIF Adult
Member since 3/09 3073 total posts
Name:
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Re: Choosing insurance
NYSHIP!! It's the best.
Hospitalization with this insurance is through BlueCross/Blue Shield. DH had to go to the ER in Hawaii once and there was no issue. BC/BS paid it no problem.
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| Posted 6/6/17 2:50 PM |
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MrsG823
Just call me Mommy.
Member since 1/11 5570 total posts
Name:
S
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Choosing insurance
NYSHIP is an amazing insurance plan.
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| Posted 6/6/17 4:08 PM |
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