BC/BS PPO vs UHC

Hi all, After reading Elissa's post.. I think I made the wrong decision when I took UHC in Jan. I thought BC/BS PPO was the same as BC/BS traditional indemnity? That you have to meet $500 deductible before they cover 80%. Is this correct? With my UHC, as long as I'm in network most all is covered, except for $15 copays. BUT, Dr Irgau is not in network, so I knew I'd have the $500 deductible to pay before they covered 75% (with a max out of pocket $2500). But what they don't tell you is that only the COVERED amounts go towards your deductible and max. So far, I'm out about $6000 when I expected $2500. I'm trying to fight one of the uncovered charges of $2500 for the assistant surgeon.. UHC only covers $400 of the $2500 for an assistant. Yeah right. you can get surgery for $400......hahahahaha, not looking good. Same goes for my female surgery, UHC didn't cover a lot of that for the same reasons. SO.. I'm thinking BC/BS would have been a better choice huh? Do I change in Jan again? Although UHC does cover the dreaded Dr. Baag. (who I see next week too, but this time I'll be ready for his negativity Any thoughts? Thanks.

Hey Tina. Kathy brought up a good point on her reply post back to me. BC/BS has different plans and depending what your corporate office purchases is how much will be covered. My Primary and Dr. Irgau's takes Aetna, BC/BS. Irgau is out of network for United HC. I'd rather have him in and PMRI's Dr. Baag out of network. Just in case for future issues or problems. I'm leaning towards BC/BS or Aetna for me. BC you don't need refferrals but Aetna you do. Charlie on the other hand is over 65, Medicare will be his primary. His choices are different from mine. He can choose self-directed (not sure who or what that is), United Health Care or AARP. Evidently BC/BS & Aetna will not cover over 65 in the state of Delaware. Boy so many decisions. Well I'll have to come to some understanding by Wednesday, the 9th as that is my deadline. Thanks for everyones input. WHEEW!! Elissa