California insurance cost--need advice
Posted: Tue Jan 03, 2006 3:33 pm
For anyone who lives in California and can offer advice, please contact me.
We are a small business group of two. Both my husband and I need injectables for different diseases (mine is Avonex for MS; his is Enbrel for Psoriatic Arthritis). The out-of-pocket costs between the insurance plan itself and Blue Shield PPO requiring us to pay 30% of the cost of the drugs is coming to around $1,500 a month. (That's not a typo.)
I'm thinking of switching us to an HMO or Kaiser to try to get the costs under control, but both those options don't exactly have stellar reputations.
Any one have any experience with HMOs and MS? Anyone got a primary care physician for their HMO that they like? Kaiser? Any other plans that could help?
All help greatly appreciated.
We are a small business group of two. Both my husband and I need injectables for different diseases (mine is Avonex for MS; his is Enbrel for Psoriatic Arthritis). The out-of-pocket costs between the insurance plan itself and Blue Shield PPO requiring us to pay 30% of the cost of the drugs is coming to around $1,500 a month. (That's not a typo.)
I'm thinking of switching us to an HMO or Kaiser to try to get the costs under control, but both those options don't exactly have stellar reputations.
Any one have any experience with HMOs and MS? Anyone got a primary care physician for their HMO that they like? Kaiser? Any other plans that could help?
All help greatly appreciated.