Hi All,

I am a special needs kid's parent and I am looking for employers who have the best insurance and reimbursements(to cover out-of-network therapies with a decent copay or a lesser out-of-pocket).

I have switched between Aetna, UHC and Blue Shield of California and so far Blue Shield is the best and the customer support is way better and easier to reach compared to others. Can you please let me know the companies which offer Blue Shield as their health insurance.

Thanks in advance!

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This is hard because even if a company uses BCBS, what they allow for "out of network" is very different (some are Medicare, some are more).

Big 4 - EY uses Anthem BCBS, allows 300% of Medicare, combines deductible and out of pocket between in network and out of network. Deloitte and PWC are similar, but as far as I know do not use BCBS.

Tech companies - many of them have decent out of network coverage.

One thing that helps is to find the company's Transparency-in-Coverage data files. They are in JSON format. It will help you determine if the company has reasonable out of network coverage (if they do, people will use it and the TIC file will show activity) and reasonable allowed amounts.

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But you're a data engineer so I assume you can creative things with the JSON files. If you don't know the 5 digit CPT codes your providers currently use, ask the provider, or ask your current insurance company, as that 5 digit code says a lot.

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