How to choose between 3 employer health insurance options?

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Hi there,

I’m trying to inform myself about US insurance through my employer and am seeing the following options available.

I’m going to try to inform myself about the various options, but is there a clear “winner” in your opinion for someone who is relatively young and doesn’t have any conditions?

It’s all a bit of a maze when one doesn’t live in the USA, so I’m appreciative of any feedback. Thanks!

Cigna OAP 500 Cigna OAP 0 Kaiser Platinum 90 HMO
Deductible (single) $500 $0 $0
Out-of-Pocket $3000 $3000 $4500
Copay $20 $20
Specialist Copay $20 $20 $15
Coinsurance 20% 0% $30
Prevention 100% 100% 100%
ER $150 $150 $150
Urgent $20 $20 $15
Hospital In-patient Deductible + 20% $250 $250/night (x5)
Outpatient Deductible + 20% $150 $125
Pharmacy Deductible $0 $0
Pharmacy Copay (Generic / Brand / Non-preferred) $15/30/45, 30% to $200 $5/10/25, 30% to $200 $5/15/15, 10% to $250

submitted by /u/biciklanto
[link] [comments]
Hi there, I’m trying to inform myself about US insurance through my employer and am seeing the following options available. I’m going to try to inform myself about the various options, but is there a clear “winner” in your opinion for someone who is relatively young and doesn’t have any conditions? It’s all a bit of a maze when one doesn’t live in the USA, so I’m appreciative of any feedback. Thanks!

Cigna OAP 500 Cigna OAP 0 Kaiser Platinum 90 HMO

Deductible (single) $500 $0 $0

Out-of-Pocket $3000 $3000 $4500

Copay $20 $20

Specialist Copay $20 $20 $15

Coinsurance 20% 0% $30

Prevention 100% 100% 100%

ER $150 $150 $150

Urgent $20 $20 $15

Hospital In-patient Deductible + 20% $250 $250/night (x5)

Outpatient Deductible + 20% $150 $125

Pharmacy Deductible $0 $0

Pharmacy Copay (Generic / Brand / Non-preferred) $15/30/45, 30% to $200 $5/10/25, 30% to $200 $5/15/15, 10% to $250

submitted by /u/biciklanto [link] [comments]Read Morer/HealthInsurance

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