My wife has had symphonix health insurance for over a year now. She had taken a short term policy and found that the coverage wasn’t very good. She wanted to continue with it and do so without getting caught by surprise by sudden costs when the doctor’s office visits did not appear on the month end or the billing was not done on time. We were also concerned about the plan’s exclusions. She specifically requested that our company not include any prescription drug costs in our policy since she is on Medicare and we do not have a Medicare supplement plan.
We went back to the same health insurance representative that day to discuss our problems. She was very polite and very understanding. She explained that our particular situation did not meet the standards for inclusion of prescription drug costs. She offered to let us know if we could meet those standards or if she would look into our request. We asked if she could tell us what criteria was met and if she could provide us with a copy of her paperwork from the last year to prove it. A real live person answered the phone and it was very apparent that our situation did not qualify for inclusion of prescription drug costs as criteria for our symphonix health insurance plan.
This would be an appropriate time to look at the different kinds of health plans offered by symphonix health insurance. Do they cover only a few prescriptions and do they charge more because of that? Do they offer only catastrophic benefit packages and do they charge more for those? Do they limit the out of network costs and do they have a network? Did our representative give us any information on the plan choices. By looking at all of these different elements before deciding which health plan is best for us, we could take the pressure off of deciding in a hurry.
One of the symphonix health insurance plans provided to us during a free seven hour preview call is called Preferred Provider Organization (PPO). During this preview, we were also given the chance to speak with one of their reps to learn more about the different plans and how they compare to a traditional health plan. Since we were already pretty familiar with other health plans, I felt it might be useful to review some information about the Preferred Provider Organization.
The first difference that we noticed between our symphonix health insurance plan and a traditional Medicare Part D prescription drug plan chosen by our independent representative was that we did not pay any out of pocket expenses for our services. Medicare Part D deductibles and coinsurance for prescriptions are deducted from your monthly income taxes. With our Medicare health show details, we were provided with deductions of $ Vita forty dollars a month, which is less than half the total cost of our prescriptions. Unlike our symphonix health insurance, our Medicare deductibles did not increase.
Another significant difference between our symphonix health insurance and our reference medical health care plans was the out of pocket expenses for our services. We were provided a debit card that contained ten thousand dollars. This would cover all of our out of pocket expenses, which totaled twenty two hundred dollars. We had the option to use the card for over the counter medications, and to make payments for services that we did not use. As we saw in our symphonix health show details, we were also provided with detailed information about the other benefits that we would receive under our preferred prescription drug plan.
Our representative also told us about a number of different incentives that we would be eligible for with our symphonix health insurance plan. We saw in our symphonix health insurance show details how we would qualify for free health check ups, emergency treatment, and how we would qualify for a percentage discount on each new prescription. We also saw in the preview of the plan how we would pay a small co-pay for each office visit. We are lucky that we live in a state that allows pharmacies to offer a discount on the fees that we pay for prescriptions.
A few months later, my wife was diagnosed with breast cancer. The instant that we found out about this condition, we immediately began shopping around for health care coverage. We saw that the price that our health care coverage would cost would be far more than our current budget. Because we had not seen our symphonix health insurance plan in action, we were concerned that we might not have any coverage in the event that we needed to have major surgery or required extensive health care.