Blue Cross Blue Shield Health Options HMO Health Insurance Major Features:
- HMO
- Allows visits to specialists without referrals in most cases
My experience:
I have a family plan. Primary doctor's visits are $15.00 per visit and $35.00 for specialists.
We had issues finding a decent doctor living in Miami. Every doctor made you feel like you
were part of a herd of cattle. Wait, wait, wait. Then into a room and wait some more.
When the doctor finally came in, he had no time to listen and rushes you out.
You were lucky to get 5 minutes of the doctor's time. Personally I hate to go to the doctor
so when I go, I need help. Since we moved to Palm Beach, we have been
very happy with the doctor's there. So here come's the pregnancy. The insurance covered
all the OBGYN visits, blood tests, sonograms for a one time $35.00 copay.
My wife and baby ended up staying in the hospital for 5 days.
They handled the $15,000.00 hospital bill with no issues.
I had to pay $750.00 for the hospital stay and that's it.
My wife has some back issues and got physical therapy for it, which they covered.
She was better for a while and then it came back. This time they would not cover it.
The Health Options HMO plan I have has a lifetime 10 week benefit for physical therapy for the same location.
Blue Cross Blue Shield Health Options HMO Health Insurance Pros:
- Has paid most medical claims without hassle
- No longer required referrals for most specialists
- More expensive premiums than I would like
- Depending on your location, you may have difficulty finding a good doctor
- Physical therapy lifetime benefit limit of 10 weeks.
Blue Cross Blue Shield Health Options HMO Health Insurance Spot Rating: 
Overall, I have had a good experience with the Blue Cross Blue Shield Health Options HMO Health Insurance.
They have paid for a lot of my family's medical expenses. Granted if I add up all the premiums I have
paid, I would have been able to cover the costs personally, but if something big comes up, I feel
confident that they will pay for it.