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.

  • frankfurt_schoolgirl [she/her]
    ·
    2 months ago

    If you live in a US blue state I think the HMO will be fine. Otherwise you should probably figure out which local hrt provider you will want to use and see if they will work with your insurance.

    • RION [she/her]
      ·
      2 months ago

      Ya I'm bloo. I could also go through Cost Plus Drugs to get it for pretty cheap sans insurance I guess

      • bubbalu [they/them]
        ·
        2 months ago

        Honestly that might be the better way. Don't have to worry about those weird headaches. Best is to find a homebrew ring in your area but that requires spending a lot of time at dive bars.