You Down with PPO or HMO

First, I want to apologize to everyone for creating an earworm for the rest of the day and having you sing Naughty by Nature…not cuz I hate ya…anyway.

Since I am a newly married man, which it is still weird saying my wife instead of girlfriend or fiance, I am finally able to be put on her insurance.  I won’t officially be added for about a month because of the time it takes to get the marriage license, change her name, and then be added to the insurance.  Then, even after I am added to the insurance, I still don’t know how long it will take until I can actually use the insurance.  That’s the big question.

However, before that big question comes about, theres an even more important question, which plan do I choose?

When I was a single guy and had my own insurance, there was no question, I was going with the PPO plan.  Now, with having a spouse on the plan, it more than triples the monthly cost of the insurance premium (approx. $680/mo).  If I went with the HMO plan it is only approx. $225/mo.

So, obviously, this is where I need your help.  I was told in the past when I had to choose my first insurance plan with diabetes to never go with the HMO option. “If you have diabetes, you should always have a PPO”  I don’t know if that is the right advice or just some BS by that particular medical professional, who maybe wouldn’t be covered under the HMO plan.

Have you had any terrible nightmares with HMO plans with diabetes?  Is it really the worst insurance option for someone with diabetes?  HMO is still better than no insurance at all right?

Please let me know your thoughts and please share so I can make the most educated decision.  A difference of $4,000 a year is definitely a big deal.