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Author Topic: Blue Cross Insurance and new job question  (Read 1196 times)

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Offline camario213

  • member
  • Posts: 2
Blue Cross Insurance and new job question
« on: July 31, 2007, 03:30:22 PM »
Hello everyone, I need some help and advice, i have been off work on disability for 2 years, I did have cobra until 12-06, after that I have been on ADAP for medications and treatment.  I finally found new employment with a company that offers Blue Cross of CA., I want your advice regarding coverage, should I go for the HMO or PPO, and also I'm concern of the sign up form will it ask for my pre-existing condition? I do not want the HR department to know about it. since this is the reason why I lost my previous job, they found out about my HIV status and started having all kinds of problems, thank you in advance for your comments and advice.

Offline MOONLIGHT1114

  • Member
  • Posts: 1,918
  • Cheech 2.2.94 - 4.23.10 We miss you so much!
Re: Blue Cross Insurance and new job question
« Reply #1 on: July 31, 2007, 05:45:23 PM »
Hi Camario213,

HMO or PPO?  I strongly suggest a PPO plan because it gives you the freedom to go to any doctor you choose.  I remember when I was working for a former employer, they switched from a PPO to an HMO and I was livid!  We only had 8 employees at the office and the boss was trying to save money and get a good "ER" plan.  Turns out that on a PPO he went to the ER when he was battling the flu and they sent him home and billed him a lot for the "visit."  I explained to him that not everyone relies on health insurance for emergencies ONLY.  Some of us rely on it every damn week of the every damn month!  This employer knew I was diabetic and had no idea about my HIV status.  He switched to an HMO and I had to get a referral from a NEW primary care provider in order to go see my previous primary care provider.  I always have lots of appointments and adding another one just to get back to the health care docs I knew made me really upset.  Also, on a side note, I had been waiting for over a month to get approval through our PPO to start on an insulin pump.  I was approved under our PPO and then my boss went and changed us to an HMO, so I lost the coverage, all within a week.  The pump costs would have been out of pocket!  That was in March 2006.  I left the company in April 2006 and started on my insulin pump Summer 2006 and I am still on it today!  So, all around PPO is the way to go for a chronic condition for many reasons!

As far as your privacy issue with pre-existing conditions, I don't know of anywhere where you have to reveal what you are dealing with.  Someone please correct me if I am wrong?!?!  I live in the state of Maryland and thank God for HIPPA everyday.  Some health care workers are so ignorant, and to this day STILL open their mouths inappropriately.  Read up in the link below, you should have nothing to fear.

http://www.ncsl.org/programs/health/HIPAA.htm

~Cindy
HIV+ since '93, 1/12 - CD4 785 and undet.   WOO-HOO!!

Offline otherplaces

  • Member
  • Posts: 398
  • Mutant Super Hero
Re: Blue Cross Insurance and new job question
« Reply #2 on: July 31, 2007, 07:30:21 PM »

PPO PPO PPO.

Do not lie on the application.  I've heard of creative ways of getting around HR seeing the app.  Like telling them you'd like to have your doctor fill out one section and that he'll only fax it directly to the insurance company.  I don't know if that would actually work.  As much as it sucks I think the best way to handle it is to look your HR person in the eye and ask for their assurance that the information in the app is confidential...or some such.  You can also ask about their understanding of HIPAA which forbids them from divulging such info to others in the business. 

Incidentally, my brother told me his app had a box that indicated it to be checked for an AIDS diagnosis only, which seems like a step in the right direction.  But I filled out a bluecross of IL app recently and it was on there, but my HR guy is HIV+ too...so it didn't matter.

brian

Offline camario213

  • member
  • Posts: 2
Re: Blue Cross Insurance and new job question
« Reply #3 on: July 31, 2007, 11:15:19 PM »
 :) thank you so much for your answers, I will be starting my new job on august 6, I guess I'll find out what the application is all about on that date, I feel better already, thanks again, take care and good karma to both of you.

Offline David_CA

  • Member
  • Posts: 3,246
  • Joined: March 2006
Re: Blue Cross Insurance and new job question
« Reply #4 on: July 31, 2007, 11:42:13 PM »
Like others have said, I'd choose the PPO.  That's what I have through BC/BS (actually State employees insurance, but managed by BC/BS).  It's very flexible and the co-pays are fairly low.  I really like the fact that my labs don't cost me anything.  Congrats on the job, by the way.

David
Black Friday 03-03-2006
03-23-06 CD4 359 @27.4% VL 75,938
06-01-06 CD4 462 @24.3% VL > 100,000
08-15-06 CD4 388 @22.8% VL >  "
10-21-06 CD4 285 @21.9% VL >  "
  Atripla started 12-01-2006
01-08-07 CD4 429 @26.8% VL 1872!
05-08-07 CD4 478 @28.1% VL 740
08-03-07 CD4 509 @31.8% VL 370
11-06-07 CD4 570 @30.0% VL 140
02-21-08 CD4 648 @32.4% VL 600
05-19-08 CD4 695 @33.1% VL < 48 undetectable!
08-21-08 CD4 725 @34.5%
11-11-08 CD4 672 @39.5%
02-11-09 CD4 773 @36.8%
05-11-09 CD4 615 @36.2%
08-19-09 CD4 770 @38.5%
11-19-09 CD4 944 @33.7%
02-17-10 CD4 678 @39.9%  
06-03-10 CD4 768 @34.9%
09-21-10 CD4 685 @40.3%
01-10-11 CD4 908 @36.3%
05-23-11 CD4 846 @36.8% VL 80
02-13-12 CD4 911 @41.4% VL<20
You must be the change you want to see in the world.  Mahatma Gandhi

 


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