I'm on my husbands insurance now, B/C B/S PPO and I really do not like it. He went in the hospital for a couple of days and I guess since I have never had a PPO I didn't understand that it is not just a one time co pay like I'm used to, we are getting large bills from the hospital and eveyone that works there it feels like.

So, I thought of changing to my insurance, I haven't even checked yet to see if they cover this, United Health Care seems to be a good insurance.

Now my problem, I can't change until Jan. 1st of course so will I need to wait to start everything for Jan. 1st or can I start with one insurance and complete it with another?

I'm just worried that my husbands insurance is going to charge me so much for the test, the hosptial and so on. I don't know much about PPO insurances so I guess I need to start checking into this.

Just checking if anyone here knows these answers. Thanks!!

You need to educate yourself about insurance. PPO means "preferred Provider Organization" You use docs, hospitals from the "preferred provider list" (which your husband should've gotten, or access to it, from his HR dept) and they agree to charge your ins a set fee. The "copay" (ie paying one fee for each doc visit) varies with insurance companies; it is an option an employer must select. Out of pocket is the maximum you would have to pay in a year, so long as you use an "in network" facility.

You should check around on this site; many with UHC have had problems getting the band.

Thank you and you are right, I do need to learn more. I knew that is what he was offered, not really a choice so that is what we have. I was just shocked when I got the hospital bills in. I'm used to $150 and that is it. I should have taken care of the insurance instead of letting dh, I will this year.

Thanks for the heads up on UHC, I was worried about that too since B/C B/S has already sent me info on what they would cover and they looked pretty good.