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In the discussion thread: Any advice on health insurers? [View all]

Response to progree (Original post)

Sat Mar 22, 2014, 09:51 PM

9. When my brother had cancer he was covered by HealthPartners

there was never a problem with any claim and they paid claims promptly. This is not something I had experienced with any insurer They even agreed to pay for a last ditch chemo that had the potential only to buy him some more time - at that point we knew there would be no cure. This was a drug that a lot of insurers wouldn't cover at the time.

HealthPartners has partnered with Park Nicollet which opens up all of PN's clinics & Methodist Hospital to "tier 1" coverage with them. With most HP plans you can pretty much go anywhere you like - you're not limited to HP or PN clinics, though should you go to Fairview or Allina your co-pay may be higher (i.e. $25 vs $15) - though check the network before you pick a plan (this would be true of whoever you go with).

I believe the Medica "Healtheast" or "North Memorial" plans may limit you to one of those networks.

The terms "Select", "Choice" or "Afford" may refer either to network options or deductibles and copays (look at the price of each one - it may help give a hint as to the network choices as well as the deductibles/copays).

My past experience with Medica and Blue Cross have been okay though I am still suspicious of the relationship Media has had with United Health Group - though they supposedly cleaned that up.

All these plans are non-profit so at least they won't be worrying about shareholders.

If you're not eligible for a subsidy you can also go directly to the insurers' websites (or call them) and see what kind of coverage you can get that way. It would probably be easier to get the payment in on time that way.

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