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I am a GA teacher & the insurance I had was United Healthcare HMO plan. You could not meet your deductable from Doctor visit copays so when I had my Lap surgery via OB-GYN last December I had to pay over $3,000 OOP. Also the HMO does not cover any out of network. I want to go to the center for endometriosis in Atlanta but they are out of network so that made things impossible.
I changed my insurance during open enrollment to United Healthcare Wellness HRA. You can meet your dedcutable with this plan through co pays and they cover 60% out of network. Of course there is no infertility coverage but none of our state insurance plans offer infertility insurance coverage. I hope I made the right decision.
Health insurance is so confusing and frustrating. I'm sure you did the right thing so you can now see the doctors that you want to see.
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