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massahoochie t1_ivi5ou5 wrote

I [26m, single] pay $300/mo for HMO plan. I used to have a PPO but i found I was paying extra money for basically nothing. My PCP is amazing so anytime I need a referral I can get it pretty much instantly and I just made sure all my specialized doctors were in network before switching. I’m saving about $100/mo which is a pretty big deal for me as I use my health insurance a lot.

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[deleted] t1_ivk4ulx wrote

[deleted]

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PaleontologistOwn865 t1_ivl62kh wrote

Maybe, maybe not. I've used the NHS extensively, here's some of the differences I like here:

- don't like my GP? I can switch, easily. In the NHS - forget it. I'm stuck with a potentially lousy fucking GP.

- Referrals - done within a few minutes at my GP office. NHS - it took *30 fucking days* to get a referral from my GP to a BUPA specialist.

- Specialists - the quality of care all depends on the foundation (region). You can _not_ go outside it. Period. Here - I could go from the Lahey network, to the Emerson one if I had a PPO, and if on HMO I could change my GP to one in that network. Done.

It's all about perspectives. People in the UK think the US system is fucking horrendous, but they've *never* used it in anger. They just hear the shit stories mostly from junk states. Is private healthcare, primarily funded by employers, a good system? Fuck no - but the other alternative isn't all sea and roses.

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