New To Health Insurance, Confused and Need Help

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I skipped out on insurance last year because I could not afford it. I am getting it now as I have gotten a raise and I require a medical procedure for my eyes due to Keratoconus.

At work, I have an option of BCBS PPO High Florida Blue. The deductible is $500 and the Max Out of Pocket is $2500. Coinsurance levels are Inpatient admissions:$600 copay per admission. Emergency room/urgent care: $100 copay/ $45 copay. Diagnostics Lab/X-Rays: $50 copay.

The total cost of this insurance plan is $150.99 per paycheck, so $301.98 per month.

I searched through the healthcare.gov lists and found one that was

myBlue Silver 2127 ($0 Deductible / 3 PCP Visits for $0 / $0 Labs) Florida Blue HMO.

It has $0 copay with $2300 max out of pocket. Overall, the plan seems to cover the same procedures as the last one I mentioned at lower costs. The total for this one is $263.76 a month, and that’s after I chose to dedicate $100 of tax credit to it, so originally it was $363.76.

I am new to all of this, so I would love some advice if possible. I know that I will need a surgery done to my eyes, corneal transplant, and will be in the hospital for at least a 24 hour period and out of work for 4-6 weeks after the procedure.

I am skeptical of the one on the government website as it is cheaper and seems to have better benefits. If someone could give me some tips and advice I would really appreciate it.

submitted by /u/twatsonwatson
[link] [comments]
I skipped out on insurance last year because I could not afford it. I am getting it now as I have gotten a raise and I require a medical procedure for my eyes due to Keratoconus. At work, I have an option of BCBS PPO High Florida Blue. The deductible is $500 and the Max Out of Pocket is $2500. Coinsurance levels are Inpatient admissions:$600 copay per admission. Emergency room/urgent care: $100 copay/ $45 copay. Diagnostics Lab/X-Rays: $50 copay. The total cost of this insurance plan is $150.99 per paycheck, so $301.98 per month. ​ I searched through the healthcare.gov lists and found one that was myBlue Silver 2127 ($0 Deductible / 3 PCP Visits for $0 / $0 Labs) Florida Blue HMO. It has $0 copay with $2300 max out of pocket. Overall, the plan seems to cover the same procedures as the last one I mentioned at lower costs. The total for this one is $263.76 a month, and that’s after I chose to dedicate $100 of tax credit to it, so originally it was $363.76. ​ I am new to all of this, so I would love some advice if possible. I know that I will need a surgery done to my eyes, corneal transplant, and will be in the hospital for at least a 24 hour period and out of work for 4-6 weeks after the procedure. I am skeptical of the one on the government website as it is cheaper and seems to have better benefits. If someone could give me some tips and advice I would really appreciate it.
submitted by /u/twatsonwatson [link] [comments]Read Morer/HealthInsurance

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