I am trying to assist my son and learn about his insurance options. He has an HMO plan though his small group employer in the state of Virginia with 50 % of his premium paid by the company. He is in his 40s, has undergone major intestinal surgery and he has a congenital anomaly that could complicate any future surgery. His aim is to obtain insurance that provides at least partial coverage for potential medical and surgical care outside his current network.
One possibility is trying to have his company switch to a PPO (or even a POS) plan. Is another alternative signing up for individual insurance through healthcare.gov and opt out of his employer coverage? What other options could be considered? What are the pros and cons of the alternatives listed? Thanks for your input.
One possibility is trying to have his company switch to a PPO (or even a POS) plan. Is another alternative signing up for individual insurance through healthcare.gov and opt out of his employer coverage? What other options could be considered? What are the pros and cons of the alternatives listed? Thanks for your input.
