Not for profit HMOs - if you have access to one in the US, you should cut over. They’re not perfect, but they often provide better coverage than PPO.
Crazy thing is watching my spouse, who works for a major PPO insurance company and has access to one of their best plans. Most of her coworkers jump to a spouse’s Kaiser plan if that is an option.
Even the employees know that their best plan options still suck.
I’m at California’s biggest not for profit HMO, which is generally pretty good at covering stuff like this. They are still “reviewing” the FDA guidelines.
They’re probably stuck between a rock and a hard place. Fewer vaccinated people means sicker patients, and those costs get passed along to everyone else in the coverage pool. So higher rates.
But if you do give shots outside of recommended guidelines, you can sued by people who want to blame something on off label use.
To be fair, if you’ve ever driven an hour out of Huntsville to little Moulton, you probably wouldn’t be terribly surprised if you saw a tweaker on a bike with a raccoon.
Aim a ball machine at his inflamed cankles