Its open enrollment season, and that means it may be time to re-evaluate your insurance coverage.
For those of you who purchase your own insurance (I recommend you have it!), as well as for those who get it through your employer, I put together a brief guide to the types of insurance that generally work best with Sequoia MD. I am not an insurance broker, and you need to make the decision that is the best fit for you and your family. However, below are some general guidelines on coverage that works best with the practice. If you have specific questions, please ask me, or your insurance person.
First, a quick note on how insurance works (apologies if you already know this). Every month, you (or your employer) pays a premium— the cost of your insurance. In exchange, your insurance pays for your medical services. While its a bit of simplification, the more premiums you pay, the less you expect to may out of pocket (the more your insurance pays).
Under most circumstances, lower premium/higher deductible plans work better with my practice. Because you have such good access to your doctor, there are a lot of things most people need insurance to cover that is already paid for through your membership.
Generally PPO plans are much easier to deal with than HMO plans. It is generally easier to get you in to see specialists, get tests covered, etc., than with HMO plans.
Coupled with an HSA (Health Savings Account), this is often a great way to save some money.
Kaiser is challenging to mesh with Sequoia MD. Kaiser is a closed system, so of all the plans out there, it is most difficult to get Kaiser to pay for anything that I order or prescribe for you. You have to go through the Kaiser system if you want Kaiser to pay for it.
I understand health insurance can be confusing— finding the right plan, signing up, figuring out what your benefits are— it can be difficult to understand. For that reason, I have spoken with insurance brokers who understand the way my practice works. If you’d like some names, please get in touch.
Lastly, as a reminder, Sequoia MD is not insurance. If something comes up that is beyond what I can handle for you (car accident, surgery, etc), its important you have coverage for that.