n***r
发帖数: 105 | 1 与CIGNA Open Access (In and out of Network)的coverage差别大吗？费用相差就$8
另外 UnitedHealthcare Choice 是什么？怎么没有听说过？ |
t******f
发帖数: 509 | 2 For Cigna, it's similar to HMO. When you go to in-network versus out-
network doctors, the difference is out-of-pocket expense whereas it's much
lower for in-network doctors.
United Health Care is generally PPO plans. You have the flexibility of go
to any doctors without to have to go through referral by primary care
physician first. The downside is that out-of-pocket is generally higher for
PPO plans.
The insurance premium shouldn't be your primary concern. It's your medical
need that matte |
U****r
发帖数: 11 | 3 In 是EPO，in and out 是PPO，如果你不用网络外的医生，没区别。CIGNA的EPO就是PPO的子集。我们的PPO有2000
块的out of pocket，EPO没有。这个区别挺大的。
8
【在 n***r 的大作中提到】
: 与CIGNA Open Access (In and out of Network)的coverage差别大吗？费用相差就$8
: 另外 UnitedHealthcare Choice 是什么？怎么没有听说过？
|
x*****g
发帖数: 251 | |
l****m
发帖数: 1294 | 5 说说看，有什么区别呀，我家正要换保险，而且看病主要看脊椎推拿（chiropractice
）还有就是physical therapy
多谢多谢！
【在 x*****g 的大作中提到】
: 如果你要拿去做推拿，那差别还是蛮大的
|
