Health Insurance

We recently found out that Edward's work(or the state of Louisiana) will be changing their insurance carrier. Apparantly every 3 yrs that take new bids to get a cheaper plan to stay in budget. So we will no longer have the wonderful Humana that we have now.

Am I worried? Yes. Mainly b/c I am so used to what we have and insurance can be particularly confusing in figuring out just which plan fits our needs best.

From the information available, it looks like we will be able to choose from Blue Cross Blue Shield which is an HMO plan like we have with our current Humana, a Medical Home HMO plan from vantage, or a PPE plan with Office of Group Benefits. I know we will not go with the PPO plan as we can't afford to pay that much out of pocket until meeting a deductible. I love our HMO b/c it allows us to pay a copay everytime we go and the copay is only 15-25$, depending on if it is a specialist or not.

I have looked into the Vantage Medical home HMO and although I don't fully understand it, it sounds similar to what we have now. Waiting on information from the state that will outline all 3 plans and then we can decide which one to get. I'm truly hoping they are all affordable and we can continue with private insurance.

Oh and from what I have read, sounds like none of them will cover anything to do with hearing aids/implants, which sucks.