Moving this summer to a new state (to CT from MD) for a new job, will be moving us both from my wife’s insurance to mine. We’ve been on her BCBS PPO at pretty much max coverage, new plan will be with UHC and I’m trying to decide between EPO and CDHP options. CDHP comes with $1k/yr HSA employer contribution.
My concern (now and every time I’ve had to change insurer), is that I feel incapable of judging whether I’ll want to go “out-of-network” for care. It’s possible I have some trust issues, and I’m pretty much always going to want to go with the highest quality of care in my own judgment if we’re stuck having to go to the doc in the first place. This time I’m even moving to a new state AND to a new insurer, so I can’t simply check if my current docs are in network.
Out-of-network deductible and out-of-pocket max are significantly higher than in-network, and I frankly don’t fully understand what an EPO is anyway, so any advice on how to evaluate would be helpful.
EDIT: per moderator auto-suggestion, wife and I both aged 36, no kids, income $90k + whatever my wife ends up making as an experienced teacher, not sure of exact zip yet but will be in Hartford, CT area
submitted by /u/jhflip
[link] [comments]
Moving this summer to a new state (to CT from MD) for a new job, will be moving us both from my wife’s insurance to mine. We’ve been on her BCBS PPO at pretty much max coverage, new plan will be with UHC and I’m trying to decide between EPO and CDHP options. CDHP comes with $1k/yr HSA employer contribution. My concern (now and every time I’ve had to change insurer), is that I feel incapable of judging whether I’ll want to go “out-of-network” for care. It’s possible I have some trust issues, and I’m pretty much always going to want to go with the highest quality of care in my own judgment if we’re stuck having to go to the doc in the first place. This time I’m even moving to a new state AND to a new insurer, so I can’t simply check if my current docs are in network. Out-of-network deductible and out-of-pocket max are significantly higher than in-network, and I frankly don’t fully understand what an EPO is anyway, so any advice on how to evaluate would be helpful. EDIT: per moderator auto-suggestion, wife and I both aged 36, no kids, income $90k + whatever my wife ends up making as an experienced teacher, not sure of exact zip yet but will be in Hartford, CT area
submitted by /u/jhflip [link] [comments]Read Morer/HealthInsurance