Hello!
I’m a 23 year old guy, physically healthy (I eat the right stuff and do the right things). I was previously covered under my dad’s employer-sponsored policy, which I have come to realize was pretty good (?). I don’t know the specifics of it, but it was an easy $35 copay and I was showing up to office visits and therapy sessions without really having to think about it. Dad got laid off due to COVID and after managing to spend the past six months uninsured, without getting into trouble, here we are! I have a day left to pick a plan, yaaaaay.
Plan 1: $240 / HMO / $2900 Deductible / $7900 OOP Max / $30 copay (first three visits, 30% coinsurance after deductible)
Plan 2: $270 / PPO / $1000 Deductible / $7600 OOP Max / $30 copay (all vists, including specialists)
Plan 3: $240 / PPO / $3000 Deductible / $7900 OOP Max / $25 copay (all visits), $75 copay for specialists (all visits)
(Same company as Plan 2, just Silver tier)
I take home $1,350 every two weeks. I know I should be picking a plan with a higher deductible because I’m a physically healthy young person but… mentally is iffy. I don’t have a provider preference.
Here are the caveats: I’m diagnosed with ADHD and depression, taking a stimulant and an antidepressant, of course. I last saw a psychologist in 2019, and we made a plan that I’d come to therapy about every two weeks or so. I only made it to 4 sessions (lol), but I hopefully I’d be able to commit to it this time around. That is my reasoning for having Plan 2 as an option, an easy $30 copay.
I could go without the therapy, which is why Plan 1 and 3 are an option. HOWEVER, the real thing at stake is my stimulant prescription, and I’ve read a post on here that advised another user that they’d have to “re-establish care” due to the switching of insurances (?). With Plan 1, my primary care physician (and perscriber) is in-network, but Plan 2 and 3 are not. I’d really not like to go through to whole process of waiting months for a psychiatry appointment again. Unless the authorization carries over (?). Sorry, I’m really clueless HAHAHAHA
Thanks so much in advance, guys!
submitted by /u/sofadisco
[link] [comments]
Hello! I’m a 23 year old guy, physically healthy (I eat the right stuff and do the right things). I was previously covered under my dad’s employer-sponsored policy, which I have come to realize was pretty good (?). I don’t know the specifics of it, but it was an easy $35 copay and I was showing up to office visits and therapy sessions without really having to think about it. Dad got laid off due to COVID and after managing to spend the past six months uninsured, without getting into trouble, here we are! I have a day left to pick a plan, yaaaaay. Plan 1: $240 / HMO / $2900 Deductible / $7900 OOP Max / $30 copay (first three visits, 30% coinsurance after deductible) Plan 2: $270 / PPO / $1000 Deductible / $7600 OOP Max / $30 copay (all vists, including specialists) Plan 3: $240 / PPO / $3000 Deductible / $7900 OOP Max / $25 copay (all visits), $75 copay for specialists (all visits) (Same company as Plan 2, just Silver tier) I take home $1,350 every two weeks. I know I should be picking a plan with a higher deductible because I’m a physically healthy young person but… mentally is iffy. I don’t have a provider preference. Here are the caveats: I’m diagnosed with ADHD and depression, taking a stimulant and an antidepressant, of course. I last saw a psychologist in 2019, and we made a plan that I’d come to therapy about every two weeks or so. I only made it to 4 sessions (lol), but I hopefully I’d be able to commit to it this time around. That is my reasoning for having Plan 2 as an option, an easy $30 copay. I could go without the therapy, which is why Plan 1 and 3 are an option. HOWEVER, the real thing at stake is my stimulant prescription, and I’ve read a post on here that advised another user that they’d have to “re-establish care” due to the switching of insurances (?). With Plan 1, my primary care physician (and perscriber) is in-network, but Plan 2 and 3 are not. I’d really not like to go through to whole process of waiting months for a psychiatry appointment again. Unless the authorization carries over (?). Sorry, I’m really clueless HAHAHAHA Thanks so much in advance, guys!
submitted by /u/sofadisco [link] [comments]Read Morer/HealthInsurance