Jenn, do they offer any other HMO's?
I'm in the San Diego area, and while I complain about
my insurance (Health Net), and it's not cheap (around $350 a month just for me), I am getting older and I have a nasty disease history. And so far, aside from charging way too much for the Humira, they've been great about
covering everything. And the Humira is just because of the way their drug formulary is written up (selft injectable vs. infusion).
They have limits on some things like my ostomy supplies, and my wound vac that I had for 2 months, but overall, it's way cheaper than a PPO and I've had tons of tests and hospital stays.
My sister-in-law has Kaisar and while she says she likes it, she had a neck injury and had to wait months, go through physical therapy (even though they weren't sure what was wrong) before they would approve an MRI. I think Kaisar is great as long as you don't need frequent tests and care. Seeing a specialist isn't always easy, and you won't necessarily see the same one. At least that's how it seems to be down here, it may be different up in LA.
If I were you, I'd get whatever insurance covers Cedars Sinai. Call them and ask what they take and compare it to the list you got from work.
49 years old, Crohn's Disease
Six resection surgeries, permanent ostomy, adverse reactions to Remicade, back on 6MP for maintenance, hoping for a long remission from this last surgery.