Quote:
Originally Posted by SailinAway
Here in New Hampshire we have the advantage of being situated in the middle of a very strong network of practitioners. My Harvard Pilgrim Advantage plan covers Concord Hospital, Dartmouth Hitchcock, and Boston specialists, among others. I've had two joint replacements with this plan. One was $1200 and the other was $600 everything included, even physical therapy. Full cost of one joint was about $75,000. Harvard Pilgrim was in agreement with all of my doctors' recommendations. There were no "gatekeepers" opposing my treatment. HP and the clinic handled everything from start to finish. There was one simple bill at the end. HP partners with Concord Hospital and Dartmouth Hitchcock, so they're unlikely to disagree with doctors at those facilities.
The cost of the Advantage plan at the time was $360 a year. Plus the cost of Medicare Plan B. Last year Harvard Pilgrim did away with the requirement for authorization before seeing a specialist. Any problems I've had have been bureaucratic, possibly related to an individual, not problems with the plan itself. Customer service has been 90% positive. The other 10% was a pain, to be honest, but I've encountered such problems with every insurance company I've even been with.
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There are gatekeepers with your advantage plan. Yours approved all of your care in this instance.
A link the professor left in this thread explains the issues with advantage plans.