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Of course, your MMV depending on what they negotiated with your company, but we have relatively reasonable co-pays, pharmacy costs, and there are a lot of services in network, including some alternative health (Acupuncture and Chiropractic) They've got a good special pharmacy (my husband has a $1300 a shot injectable he needs to take every 2 weeks; with the mail order, it only costs us $20 for one month on their special pharmacy program) that's on mail-order, even though their regular mail pharmacy sort of sucks. They even have a few good clinics and labs (Sleep studies, Weight loss/surgery) that they have direct coverage with. Billing is pretty reasonable - there's very little they haven't covered, and they do try to work with your doctors, especially when it comes to non-standard therapies. We still run an average of $800 - $1K out of pocket a month with two family memebers with serious chronic health problems, not including the $310 a month premium, but the deductable was only $50 for each of us and I figure that without the insurance we would be looking at close to $10K a month for fairly routine but necessary medical service for our family - mainly for the 20+ regular medications, medical equipment rental and monthly checkups/lab work.
We've had better experiance with Aetna than Blue Cross of California or Kaiser. We don't exactly love it - single payer would be so much better on the wallet - but it's pretty decent, and does cover preventative health, dental, Physical Therapy, and mental health better than most other plans.
Haele
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