I just got access to the benefit info for my new jobert and want to start figuring it out even if I won't be eligible for a couple more months.
There's a Gold PPO and a Platinum HMO, and the company takes care of the premium for both. The HMO is cheaper in pretty much every way (4x cheaper therapy for instance) but I know you're a lot more restricted in terms of staying in network and needing referrals.
If I go for an HMO will I have a harder time getting HRT? I'm not really looking at any surgeries in the next year, so I could switch to a PPO later if there were any network issues with that.
It's my state's BCBS which I'm actually with currently through the marketplace and haven't had any issues. My mom is very healthcare savvy so she's gonna take a look with me this weekend