Deciding between a Blue Shield PPO and a Kaiser HMO. Any thoughts of each network in LA? I am pretty healthy in my early 30s but may get pregnant in a year or so. Thanks!

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PPO is better than HMO, in case you accidentally need to go out-of-network.

Concur. Get PPO and pay out of pocket if necessary. I’m a generally frugal person but not when it comes to health insurance

Kaiser Permanente is great in LA. Spouse had several issues that would have been crazy expensive (a leg injury and a rare ocular disorder) and it was all consolidated with a single extremely low bill. I can see how they would suck in other areas with low coverage. I have a BlueCross PPO but haven’t really needed to use it beyond a handful of specialist appointments. The billing and letters were convoluted as hell and finding in-network providers is a stupidly complex mishmash of websites and apps. I got a prescription and I kid you not, there were 7 different entities and account signups involved in transmitting it to the CVS across the street from the doctor to get filled.

Thanks all for this detail. I’m used to a PPO but find it frustrating that my doctors can’t “talk” to each other seamlessly which theoretically a HMO would solve for but with the strings of less flexibility. Cost wise, there’s no difference in premiums/deductible for me between those 2 options, just HMO has lower out of pocket costs according to the illustrative examples my company provided in the benefits docs. Thanks again all!

I've had both here in LA. Id go with Blue Shield & especially if it's a PPO. Bc if you ever face complications or need to see a specialist you can go. But with Kaiser it will be like pulling teeth as you need them to give you a referral. But I guess depends on your finanical situation as Kaiser is probably more cost-effective. It just depends on your situation.

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