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PPO through work

We have a plan called Open Access.

Even when we had the HMO last year, we didn't need referrals from our primary doctor. I called 3 times to confirm, lol.

cigna epo, we don't need referrals tho it is technically an hmo!

PPO through my husband's work.

HMO through my work.

@autumnlove: lame. This is the last year my husband's work is offering a PPO and next year we're being forced into an HSA… hoping the rules on this don't change!

PPO through DH's work.

I think we have HMO through DH's work. Blue Cross!

eta: I don't need referrals for anything I've come across though. weird? idk.. I don't really understand insurance tbh haha

we have a BCBS PPO through mr. bird's employer, but we have to select our new plan by the end of the month so that may change.

We both have BCBS but I have an HMO through my employer and DH has a PPO through his employer, which is free for him. Adding me to his PPO would have been more expensive than me going through my own employer.

PPO through my job.

Cigna PPO through DH's work.

I have grad student health insurance through my university. For anything besides my ob/prenatal care, I have to go to campus health services to get care or a referral. I like having health services there for things that I need to see someone asap, like flu, but it's a pain for more routine stuff. Like, I had an annual gyn check up there once and they're used to seeing undergrads more regularly so it felt super awkward--an 18 year old worrying about stds is very different than a 30 year old who's ttc!