LL quips;
various as in saved you money, have a better policy, or both? ...
Originally Posted by CJ7
A more comprehensive health care policy that fits my needs (I don't need maternity benefits, and neither does my SO, for instance), at the same premium with more attractive copays .. saves money, BTW.
Some physicians and hospitals decline to accept some insurers, because they late pay, kick back billings that cannot be passed back to the patient, and haggle with billing personnel regarding codes and "reasonable charges." If the physician I want to keep no longer accepts an insurer I am using, then I can change my carrier to one the physician accepts .. and if it has to do with a hospital I prefer then I can "shop" the hospital coverage by surgeons who will generally accept the same carriers as the hospital with which they are associated. In addition switching to a carrier that facilitates and cooperates with mail order prescriptions with annual renewals by one's designated PCP saves money and time, since mail order prescriptions with multiple month refills can cost 1/3 to 1/2 less monthly, and it is unnecessary to return to the PCP so often.
You will not be able to do that if you sign up with one of the "qualified" providers "assigned" through the Obaminable Care to those taking advantage of the "portal" through which the government designates coverage ..