Return-Path: Received: from gem.garnet.cs.cmu.edu by K.GP.CS.CMU.EDU id aa21260; 21 Nov 91 15:34:13 EST Received: from gem.garnet.cs.cmu.edu by GEM.GARNET.CS.CMU.EDU id aa11312; 21 Nov 91 15:33:23 EST To: bovik@CS.CMU.EDU cc: Bala.Kumar@IUS5.IUS.CS.CMU.EDU, Sebastian.Thrun@B.GP.CS.CMU.EDU Subject: Results of UHN, Keystone survey Date: Thu, 21 Nov 91 15:33:20 EST Message-ID: <11310.690755600@GEM.GARNET.CS.CMU.EDU> From: Brad_Myers@GEM.GARNET.CS.CMU.EDU I decided to stay with BC/BS First Dollar plan. --Brad Myers ------- Forwarded Messages Return-Path: Received: from a.gp.cs.cmu.edu by A.GP.CS.CMU.EDU id aa20472; 18 Nov 91 10:09:25 EST To: bam@CS.CMU.EDU Subject: Keystone Date: Mon, 18 Nov 91 10:09:22 EST Message-ID: <20470.690476962@A.GP.CS.CMU.EDU> From: Jean_Harpley@A.GP.CS.CMU.EDU Brad, I've been with Keystone for 2 years, and I'm generally happy with it. There is one thing about any HMO that usually causes people to lose interest. You have to see your family MD to get referred to any other type of doctor. This was not a problem for me, because whenever I have anything wrong, I always consult my family MD first, and allow him to guide to me a specialist or other professional. We've never had any problem getting them to cover the normal problems. I do have one complaint. I've been given inaccurate information over the phone when I call them to clarify coverage. I was told they would not cover my husband's eye exam, but I recently found paperwork that says they are supposed to. They also told me that under no circumstances would they pay for a visit to the chiropractor. I later found out that if you are fortunate enough to have an MD that believes in them and will give you a referral, they are supposed to cover the visit. I made formal complaints to the Benefits office, but they are in a hugh crunch getting the FlexPlus plans integrated, so they haven't had time to clarify. Benefits told me that since we have it in writing that they are supposed to cover these two items, they believe they can get Keystone to reimburse my expenses. If you believe in chiropractors, and plan to make use of them, perhaps this plan isn't the right one for you. One way to be sure is to speak with your doctor. Ask him when a referral would be appropriate. Try speaking to a Keystone representative and ask them if there would be problems with coverage. I found a different way around the problem. My husband and I both get stiff necks and back aches, mostly caused by stress and tension. I just found a new set of doctors (Beam & associates) who are Doctors of Osteopath, so perhaps this will eliminate any need to go to the chiropractor. The absolute best thing about it is not having to part with any money for doctor visits, lab fees, even the prescription coverage is great. Since joining keystone the only money I've put out of my pocket for medical expenses is the eye exam ($24) and 4 chiropractor visits at $24 each. And it may turn out that I'll be reimbursed for this. It is great for those of us with a smaller salary. Jean ------- Message 2 Return-Path: Received: from db3.speech.cs.cmu.edu by A.GP.CS.CMU.EDU id aa20871; 18 Nov 91 10:55:51 EST Received: from db3.speech.cs.cmu.edu by DB3.SPEECH.CS.CMU.EDU id aa01003; 18 Nov 91 10:55:26 EST To: bam@CS.CMU.EDU Subject: uhn Date: Mon, 18 Nov 91 10:55:17 EST Message-ID: <1001.690479717@DB3.SPEECH.CS.CMU.EDU> From: Yoshiaki_Ohshima@DB3.SPEECH.CS.CMU.EDU I've found UHN hard to evaluate properly in conjunction with bc/bs. Not all the doctors listed on the uhn have their practice covered by bc/bs at all. (That's what HRS told me...) --aki ------- Message 5 Return-Path: <@gem.garnet.cs.cmu.edu:Daniel.Rehak@LINDENTHAL.CAE.RI.CMU.EDU> Received: from gem.garnet.cs.cmu.edu by A.GP.CS.CMU.EDU id aa24342; 18 Nov 91 14:28:27 EST Received: from lindenthal.cae.ri.cmu.edu by GEM.GARNET.CS.CMU.EDU id aa08736; 18 Nov 91 14:28:16 EST Date: Mon, 18 Nov 1991 14:25-EST From: Daniel.Rehak@LINDENTHAL.CAE.RI.CMU.EDU To: Brad Myers Subject: Re: Health insurance questions Message-Id: <690492306/rehak@LINDENTHAL.CAE.RI.CMU.EDU> In-Reply-To: Brad Myers's bboard message of 18-Nov-91 09:51 First dollar has a $250,000 cap on lifetime major medical only, NO cap on hospitalization. All other BC/BS plans have $1,000,000 total cap on ALL combined expenses. With something catastrophic, this could be a big difference! ------- Message 6 Return-Path: <@gem.garnet.cs.cmu.edu:Philip.Koopman@A.GP.CS.CMU.EDU> Received: from gem.garnet.cs.cmu.edu by A.GP.CS.CMU.EDU id aa08528; 19 Nov 91 7:42:22 EST Received: from a.gp.cs.cmu.edu by GEM.GARNET.CS.CMU.EDU id aa09325; 19 Nov 91 7:42:11 EST Date: Tue, 19 Nov 1991 07:38-EST From: Philip.Koopman@A.GP.CS.CMU.EDU To: Brad Myers Subject: Re: Health insurance questions Message-Id: <690554324/koopman@A.GP.CS.CMU.EDU> In-Reply-To: Brad Myers's bboard message of 18-Nov-91 09:51 UHN was at one time the CMU student provider. They were truly awful and unresponsive. Their office in Oakland had two doors, each with a sign saying: "please use other door". No, I'm not kidding -- I saw it for myself! - -- Phil Koopman ------- End of Forwarded Messages