Question:
I am changing to BCBS next 2003. Which place is more cost effective ppo or standard?

My surgeon and PCP are both preferred providers. Please help!    — April N. (posted on October 18, 2002)

October 18, 2002
I have BC/BS PPO of IL. no trouble with approval for surgery and all I had to pay was $93.00 for the $45000.00 bill. I am very happy with this insurance.
   — Lisa B.

October 18, 2002
I've got BC/BS PPO of NJ and think they are great! It's my understanding that all the BC/BS PPOs in the county are hooked up with a national network which gives you huge access. Just to make sure your PPO is the same, you should check that out with your benefits manager first.
   — Colleen S.

October 18, 2002
I have BCBS of California(PPO). They only approve certain procedures. You didn't specify which state, it makes a difference. I only have to pay my 300 dollar hospital stay co-pay. I used to work in HR, call them and ask for a manual on the new company. By rights, they have to give you one, or at least tell you where to get it (i.e. web site, by mail)The greatest thing about BCBS PPO is that you can choose any doctor in the network with no referrals. You DO NOT have to have a primary care physisician.
   — Ann H.

October 18, 2002
Hi April! I am the billing supervisor of a very busy pediatric office in NJ and my advice to you is to go with the PPO. With the PPO you will most likely have a copay average $5-$30, with the standard plan you might not have a copay but most have what is called a co-insurance where you are responsible for a percentage of the allowable amount. Co-insurance is usually about 20-30% so if your insurance co allows $100 for your office visit/procedure you will have to pay $20 but if they allow $1000 your part would be $200. It can really add up.
   — jerzeygirl71

October 18, 2002
I have BCBS of Minnesota PPO. My surgery cost me $15!
   — Kim B.