Originally Posted by pammysue
I'm a little confused about the HMO part. So, we would receive insurance through a private company like Blue Cross? How are the co-pays (for rxs, dr visits, etc) determined? Is there ever a waitlist or do you automatically get it if you qualify?
Thanks for all your help and the good luck wishes.
We should know by the end of the week and will accept if offered. I am so nervous about moving to a small town though! I have never lived anywhere but the 'burbs of a big city. The "very small" suburb we live in now has 10,000 people and the town we would move to has 500!!
Essentially, yes. I remember that two of the choices here were United Healthcare and Network Healthcare. I think I had one other choice as well -- but I don't know which it was. I was living in Fond du Lac County at the time, though. I'm sure the HMO choices will be different for you -- and there may only be one that you will have to go with. And it's been a year since I've been off Badgercare as well, so of course -- things could have changed since that time. That's just how it worked when I was on it.
As I recall, the co-pays are determined by what tier of Badgercare you're on. If you fall under a higher income bracket and are paying a monthly premium, I would think that your co-pays would be a bit higher than for someone who qualified for the plan that didn't have a premium. I did not pay a montly premium, and my co-pays were like $2.00 or something like that for a typical doctor's visit. Co-pays for medications were also only a few bucks. Once you are determined to qualify, you should not be wait-listed. Badgercare for single adults has a ridiculously long waiting list, but as far as I know, families with kids do not get wait-listed. As far as having waiting lists to receive care, there shouldn't be any problem there either. In my experience, if doctors accept Badgercare, then they accept Badgercare and they don't have only a specific amount of BC clients they will see. Dental is a different story entirely and there are typically waiting lists several months long to get in to see a dentist. There are very few dentists who will accept BC compensation. Very unfortunate.
I don't blame you for being nervous about the small town move. I personally don't think I could survive small-town living. Not that I live in a huge city, but the place I grew up had 40,000 and the city where I'm living now has just over 50,000. So I would suffer terrible culture shock if I had to live in a place as small as 500!!! Keep me posted -- I'd love to know if you're going to be moving or not