K.K. asks from El Segundo, CA on March 05, 2008
HELP!! Quit Job to Be Home and Give up PPO Health Insurance for Kaiser??????
I really need advice. I have an incredibly intense job - which I have worked extremely hard to achieve. I have a 9 month old amazing baby, who I stayed home with for the first 4 months but went back to work in early October. My work has been wonderful in some ways, letting me work from home on Fridays and take some flex time when needed. However, the job is a 50-60 hour week job minimum...very demanding. So when I put my little one down to bed, I end up staying up until midnight to continue to working.
I am just burning out and really feeling like I need more time with my baby -- at least more time that is free (not worrying about all the things I have to do for the job.) Plus, I have had to decline certain responsiblities like going to Asia twice for work (each trip at least 7 days!!) I just need a less stressful enviroment and more time for my babe.
The big issue for me (and maybe this sounds like a no brainer but it is a big deal for me) is giving up my great PPO health insurance. I have been going to the same GP since I was 9 -- who is amazing (my husband and baby go there too now.) My husband works for Kaiser Permanente and we would have to go on KP insurance if I quit and give up all our docs.
My big concerns are switching to KP. What kind of care will we get, what happens if one of us gets a major illness and can't go to see any doc we want in this country? I am not sure I am ready to give up our amazing docs and freedom of having the choice to see the best specialists out there if something goes wrong.
I am not trying to come off as a brat - I think KP is good in many ways and my husband believes in the company or he wouldn't be working there. I have just heard horror stories from not to disgruntled patients but from other medical physicians and nurses from outside of Kaiser.
Any insights, help and opinions would be graetly appreciated.
D.L. answers from Los Angeles on March 05, 2008
personally i have never used Kaiser and I am sorry to say never will. I have heard the worst stories about people going there. my sister is a speech pathologist and she says that it is fine if you are healty but god forbid someone who is actually sick. the care stinks! A little boy in my sons kindergarten last year started mumbling and slurring his speech in class. they reushed him to kaiser and they sid nothing was wrong with him. My sister who works with brain injury jumped in and told the family to demand a pediatric neurologist now. They finally got one after an intense struggle and he was having like 40-50 seizures a day. something Kaiser missed. Kind of serious. My husband was a realtor for years so we always had to have private insurance. We found that healthnet ppo was a great option for us. Affordable, great benefits and regular care. If you are ready to give up your job then do it and find another job with good benefits. sounds like you are very qualified to negotiate a good deal for yourself with a new company and have less hours.
A.L. answers from Los Angeles on March 07, 2008
Would you be able to buy PPO health insurance on your own? I think you have made a great decision already to spend more time with your baby by giving up your work. That is a wise choice and will make you and your baby much happier. I think the issue of insurance comes secondary compared to the sanity that you get without work stress.
C.L. answers from Los Angeles on March 06, 2008
I have just changed back to my PPO from Kaiser.
I could not find the same quality and specialty care I or my two sons, needed through Kaiser. Others in our family were ok with preventive care and even with that, I truly felt like we
were on a cattle call most of the time.
I did not appriciate one doctor making the decissions as to
weather we needed to see the dermataogist or OBGYN or SCIphysican before going to the specialist I knew we needed to see. It was not so good for us, but for my mother and dad who are in their 80's and 90's their doctors are set with one main doc. and they are pretty much covered by that one unless the doc could not make the diognois. that is in Hawaii..
when we came to California....Oh my Gosh did we have problems getting a doctor to work with my parents and follow what they needed. I didnt even mess around with me and my boys..I knew I would not have the specialist I needed so I went to the PPO's doctors that my old PPO doctors recomended.
I appriciated the indivisual care I recived from our own doctors whom I have been with years before and when Kaiser could not assist my needs right away I went back to my ppo doctors any way and paid their fee on top of my Kaiser membership.
I decided that my peace,health and my childrens health was a priority and I needed to 1st.make the change. I Must Change.
Today I am back to being a business owner and investor with my own hours growing my passive income and building my daily income to afford my PPO and so much more.
I am peaceful and know that I made the right decesion.
If you need to talk call me at ###-###-#### (cell)
Aloha Ke Akua,
E.L. answers from Los Angeles on March 06, 2008
I really like Kaiser
D.A. answers from Los Angeles on March 06, 2008
Just an Idea, Why not have a ppo to back you up. If you can afford to buy a PPO . You are not paying into your husband group plan. So if you put you and the child or just the child. Who ever you are most concern about at this time , call me I am INSURANCE AGENT and I offer PPO/hmo I can send you a quote. I am appointed with all the carriers. Just let me know which one you 've been with and I can work with that if you want.
Deborah Alpert ###-###-#### after 10am. call
Put subject "Mamasource" so I won't delete it..
C.C. answers from Los Angeles on March 06, 2008
When I went on my hospital tour when I pregnant, the tour lady told me that Kaiser insured moms to be had to call in advance to make sure there was a bed for them. If there wasn't a bed, they had to be sent to another hospital to deliver. I don't know how much truth there is to that since I didn't have kasier at the time.
I had Kaiser a few years back and wasn't too impressed with them. It takes several days to make an appointment with them. And once I was there, I had to wait at least 30 minutes for the doctor to come see me.
That's just my take.
Keep a log of your baby's growth. http://gagazine.com/join/
M.L. answers from Los Angeles on March 06, 2008
I have had Kaiser for 12 years and choose them over a PPO. You have the right to ask for any doctor that you want in the Kaiser network. if you don't like your ob/gyn you can switch to another one. There is bound to be someone you like at Kaiser (you can go to the one in Torrance, South Bay, Gardena, Inglewood, West Los Angeles, Los Angeles, Orange County... etc.).
I had both my children at Kaiser and they were both delivered by the same ob/gyn. It's absolutely not true that they send you to another hospital if there is no room. Plus, Kaiser South Bay just opened a labor and delivery facility that is quite amazing! Their breast feeding clinic is free - no copays at all - and when my son was having problems nursing when he was first born we went in twice a week for 6 weeks until I was confident everything was ok. When my son was 10 months old and I had questions about nursing and weaning, I called them and they provided me with all the information I needed. They had free prenatal safety and infant nursing classes.
Last year when my oldest son was 3 he had brain surgery. It turns out that there are only a handful of pediatric neurosurgeons in Southern California and Kaiser has one of them. When he was in pediatric ICU the nurses made sure that I was comfortable as well. (BTW, I did not even have to make a co-pay for his brain surgery as well as the 5 days he was in the hospital.)
When my son was referred to speech therapy he had a speech therapist whose part time job was teaching speech teachers at CSUN. My son's pediatrician is the assistant chief of pediatrics. When he had to have a pediatric endocrynologist come evaluate him, the doctor actually came to another floor in the building where my son was, to do the exam since my son has major issues with hospitals/doctors. That particular doctor even gave me his personal work number. Imagine my surprise when I called to leave him a message and he actually answered the phone. The physical therapist that sees my son is extremely patient and personally schedules his appointments for me to fit my schedule. Every referral I have asked for I have received and had the appointment within 2 weeks.
The flu shot is free and in fact, they have drive-up clinics, where you don't even have to get out of your car and they will give you a flu shot.
I think that Kaiser gets a bum rap. I'm not saying it's perfect but I don't see any of its physicians or facilities as below standards.
D.G. answers from Los Angeles on March 06, 2008
I have had Kaiser for the last 42 years. Had both my children there and now I took an HMO with my job. My children are still with Kaiser and I for one can't say enough good things about it. There are bad doctors everywhere as well as bad service. For the most part I have had great service. I had one peds dr for my kids and didn't like him so I switched to another dr, no big deal. For me, I can't say enough good things. It is a system you must work, but it isn't difficult. Don't sweat it. Enjoy being at home with your baby. The time goes so fast