Which insurance

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NewShinyCD
Regular Member


Date Joined Oct 2009
Total Posts : 474
   Posted 10/26/2010 3:11 PM (GMT -6)   
Lol well I've narrowed my plans down and was wanting your guys opinion.
Aetna POS ($125.69 a month) or Aetna EPO ($175.32 a month)

POS has a $500 deductable and EPO has $250 deductable.
Both $20 copay for office visits
$25 for specialist
Both have a $1500 out of pocket maximum.

For impatient hospital care POS will cover 80% after the deductible while EPO covers 90% after.


I'm thinking the POS would be the better choice. However, they are changing the coverage of EPO in November because people are using it like crazy. Right now the premium is $156 a month and there is no deductible and it covers basically 100% of everything.

EDIT: Accidentally posted the smokers monthly premium

Post Edited (NewShinyCD) : 10/26/2010 2:23:02 PM (GMT-6)


Anthony1977
Regular Member


Date Joined Jan 2009
Total Posts : 413
   Posted 10/26/2010 3:28 PM (GMT -6)   
I used the Aetna EPO and nearly everything was covered. The EPO is in-network only, correct? Just make sure the surgeon that you are going to uses it. I thought it was a great plan because you didn't need referrals. I really don't have any suggestions. The numbers here would make me want to select the EPO. Good luck with everything. Aetna was great to work with when I went through all of this stuff.

NewShinyCD
Regular Member


Date Joined Oct 2009
Total Posts : 474
   Posted 10/26/2010 5:10 PM (GMT -6)   
Yea I have Aetna right now with my individual insurance. They are good (just don't like the $5000 deductible).

I have until November 21 to figure out what I want so I'm not really in a rush right now.
21 y/o male livin' in Georgia. Diagnosed with Left-Sided Colitis in 2002; re-diagnosed with Pancolitis in Nov. 2009.
June 2010 I beat UC by having surgery.
Drugs tried: Just about every 5ASA medicine, enemas, prednisone, turmeric, fish oil, Remicade, psyllium seed powder, Metamucil.
Unable to take 6MP.
Temp Ileostomy and colon removal surgery - 6/2/2010
Readmitted back to hospital because of blockage (my fault cause I ate Steak n Shake 3 days after being released from surgery) - 6/10/2010
Takedown surgery - 8/?/2010
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