Should I go with the Blue Cross HMO, or the PPO?

Yeah, yeah I now you people are all sick of me ;-), but I do need your help again. Seems my paperwork is due tomorrow :P! And I only have half a brain today, darn flu! I am not sure if i should go with the HMO, or the PPO plan. Lemme go grab both paperwork packets, so I can do a list... ------------------------------------------------------------ HMO: ------------------------------------------------------------ 1. NO DEDUCTIABLES!! 2. Will have to pay only co-payments for surgery! 3. Will have to find new surgeon. 4. Will have to get a new Dr. 5. Must start process all over again. 6. Benefits area states: (exclusion) to weight loss. Services, programs, or supplies for losing weight or the treatment of obesity. We will cover this kind of care if we find that the member is morbidly obese. 7. Says it is: CaliforniaCare plan 8. Open enrollment again in Jan 2003. ------------------------------------------------------------ PPO: ------------------------------------------------------------ 1. Will have to start again with my $250 deductiable! 2. Will have to pay $2,000 total for surgery 3. Can keep dr. (am glad about this) 4. Can keep surgeon (not crying over losing him) 5. Process stays where it left off with Pac Care. 6. On benefits it says (exclusion) Obesity. Services primarily for weight reduction or the treatment of obesity. This exclsuion does not apply to surgical treatment of morbid obesity, as determined, and if the treatment is authorized in advance as medically necessary and appropriate. 7. Says it is: Prudent Buyer Plan 8. Open enrollment again in Jan 2003. ------------------------------------------------------------ If anyone can provide any help at all I would really apprecihate it! Post here, email me, whatever! I am going to try and call them later today as well to see what they suggest. Thanks gang!

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