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Lisa - I have a POS at work adminstered by PacificCare and it has an HMO component as well as a PPO component. If I use the HMO I need approvals but pay very little out of pocket and if I choose to use the PPO I will need to pay a percentage for all services. Do you have that option? My company switched from Blue Cross POS last October but it was almost identical to the plan I have now. My family doc, radiation onc and breast surgeon are all part of my HMO and my medical onc is part of the PPO. I have an annual out of pocket maximum that I can be charged and that is $3000. This is not treated like a deductible but rather accumulates throughout the year. While doing chemo and herceptin I knew that the most I would need to pay was $3000 and although that was a lot it was a lot better than the more than $100k that treatment ultimately cost. tami
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