Mom has Kaiser, thinking about getting a second insurance plan. Any help?
Was wondering if anyone could give me some guidance on how to handle getting secondary insurance coverage.
We live in the Bay Area in California and my mom was recently diagnosed with metastatic cancer. I’m thinking that I might want to get her treated at UCSF or Stanford, at the very least second opinions / additional scans.
Should I go ahead and buy her a bronze plan or something from Anthem or Blue Shield? It’ll be like $900-$1500 a month, but if we use it even a bit it will be worth it. Other than out of pocket is there anything else I should consider? EPO and PPO plans look like they are accepted by those hospitals and don’t seem to have treatment limits.
My mom is already insured with Kaiser Silver 87 via Covered California (ACA), but I don’t think I can double insure with the marketplace.
My mom is a small business owner and I can also try to get her insurance by signing up for Gusto or Zenefits, but they don’t really seem to be cheaper for < 5 employees. Anything else I should consider?
