| Senior Member (100+ posts)
Joined: Jul 2004 Posts: 188 Likes: 1 | Leslie,
A POC 80 is a Point of Care 80/20 plan. Very similar to an HMO, in that all care is coordinated (controlled) through a Primary Care Physician. They pay 80% of UCR, (Usual, Customary, Reasonable), charges when I see a preferred provider, and I pay 20% of UCR. If I go out of network, they still pay 80% of UCR, but I pay everything else, with much higher deductables. It's not great insurance but it's better than no insurance.
Having the "C" word in your medical record is kind of like having a DWI on your driving record. The insurance companies want to see a clean record for at least five years before they are willing to take a chance on you. Health insurance is different in that patient confidentiality laws and state insurance laws make it more difficult for them, but it is still difficult to make decisions. I completely understand dazed and confused.
Good luck and Good Health,
Chuck
SCC Stage IV right tonsil T3N3M0. Dx 08/03. Clinical Trial:8 weeks Taxol, Carboplatin then Hydrea, 5FU, IMRT x's 48, SND, Iressa x 2yrs. Now 20 years out and thriving. Dealing with a Prostate cancer diagnosis now. Add a Bladder cancer diagnosis to all the fun.
It's always something
"Adversity doesn't build character, it reveals it."
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