Are you paying attention to insurance companies networks? Today we have got a triple threat three-way comparison of health insurance companies and their networks of doctors and hospitals.
Today we’re going to be comparing Medical Mutual of Ohio versus Anthem, Blue Cross Blue Shield and versus care source. It’s quite a mouthful the reason you want to pay attention to this stuff is that you want to be able to go see the doctors.
Before we get started, I have to say full disclosure here care sores does not work with any independent agents, I don’t have the first-hand access, like Medical Mutual and anthem and Aetna. It doesn’t bother me much, but the worst part about it is that it looks like I’m being biased, when I’m about to say bad things about their network.
But if you’ve read enough information on our site, there is one company, that is very similar to care source that I can work with and they’re called Molina. And I am an appoint an agent with them and I’m going to say the same thing about them as I would care source, so I’m not afraid to light the match.
So care source and Molina originally started out as a Medicaid provider here in Ohio, it means that they were assigned low-income people in the state that qualified for the Medicaid program. However at the start of 2014, they decided to try their hand at offering insurance directly to you.
Now what that turned into was the care source just for me plan, and that’s the one that I’ve been hearing a lot about from people asking me if it’s a viable alternative. But that plan is going to provide you with very limited access to doctors in hospitals around your area to give you a quick example.
I ran a search within a 60-mile radius of our home office in Ashtabula Ohio and only came back with eight results, it had our local hospital the Ashtabula County Medical Center and had a couple of tripoint facilities, which is in Lake County. And it had Trimble Memorial, which is down in the warren area, which is about 42 miles away from Ashtabula, and then in downtown cleveland ahead metro health hospital.
Now if you’re familiar with the Northeast Ohio area, you will notice that the Cleveland Clinic and University Hospital systems are missing from that list, that means you are missing out on the top two hospital systems in the area, and you will not have access to get treated there. If you need anything from any of their doctors, that means that all of those specialists there will not be available to you in care sources network to put another way, you will not have a ton of options, when something goes wrong.
The next Anthem Blue Cross and Blue Shield for a long time anthem was the pre Obamacare champion, for a third year in a row, they’ve held firm on offering a middle-of-the-road Network prior to 2014, nobody could really touch anthems in state and out of state combination of coverage of doctors and hospitals.
Being a Blue Cross Blue Shield affiliate meant that you had access to any Blue Cross Blue Shield location throughout the country, however 2014 saw the company doing a complete 180 on that it did get a little bit better in 2015, mostly in the out-of-state coverage and that’s where we remain here in 2016.
Now I have documented anthems shortcomings with it, when it comes to their network and the mild improvements that they have made over the years, it is to give you a quick recap.
Their goal is to offer you one major hospital system around your metropolitan area within the state, whether it’s Cleveland Columbus Cincinnati Dayton, they’ve picked one major hospital system that they’re partnered with and they have for lack of a better term, excluding the rest. In Northeast Ohio, they have chosen University Hospitals as that partner and they’ve shoved the cleveland clinic aside.
If you find yourself calling the cleveland clinic and asking if they accept anthem, you might get an answer that will run contradictory to what I’m telling you and due to some complicated insurance company and Hospital agreements mostly. I won’t bore you with, because it makes my head hurt and blood might come shooting out of mine and your nose at the same, if we try and think about it too hard.
But anthem can technically call the cleveland clinic and in-network hospital, because it uses a two tiered network structure, the second part of that tier works like most insurance companies out of network benefit overall anthem, even though with its network shortcomings will still offer you a decent choice of doctors and hospitals, that will probably be superior to the likes of a care source.
However, there’s a few red flashing lights and sirens that would potentially be able to go off here. There is one major exception that you want to know about and that is the fact that Medical Mutual here up in Northeast Ohio does not have the case Medical Center campus, which is the downtown location for University Hospitals in network.
However, there were more Medical Mutual clients bringing this exclusion up to university, they have been very accommodating in sending treatment to a nearby facility in the Cleveland area. That is a network the Hoosier Medical Center, which can definitely do a lot of things that the case campus can.
So that’s something that you should be aware of, and it’s not as big of a deal as it sounds. But it’s still very important to know and to remember because you don’t want to make a mistake and go there by accident.
The crazy part about this entire conversation is that with the exception of care source, almost any other company you consider throughout the state of Ohio, it’s going to cost more for a far inferior Network.
Will you find significant savings to justify the limitations anthem and other companies like Aetna have decided to put on you? If I had to compare each network to a type of cheese, care source would be obviously Swiss and anthem which might be a slightly dry ricotta cheese.
And if Medical Mutual might be a parmigiano a finely aged parmigiano with one little spot of mould on it, I don’t know that would be fun, but each one of these companies is a symbol for the type of network. You can expect from different companies, you have a completely fully robust now.
It’s tempting to bite at the savings that cure source offers, but if you’re on trial for murder, would you want a public defender in charge of saving your life, or would you want the best lawyer that money could buy? You’re an upstanding human being and you would never be on trial for murder.
Let’s learn the real cost behind this network madness and discover how you can pick the right plan based on your medical needs. So go ahead and click here on my face, and we’ll go ahead and get started with that.