Plan help!

Hi everyone I am getting my first ever health insurance plan through my job. We have a hdhp and a ppo plan. And I’m trying to figure which is best. For the hdhp until we pay the family deductible of 5K I really don’t get much, but at the same time i heard you get a negotiated rate on medications and visits if you’re insured. Does anyone know if this is true and how is the negotiated rate on average? Can I expect to save money? One of my medications is $509 a month retail. So if I get the HDHP I’ll be subject to the deductible before they pay for the medicine, but is the negotiated rate usually decent? It’s blue cross of MA If that helps. Thank you everyone.

submitted by /u/chillytaco95
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Hi everyone I am getting my first ever health insurance plan through my job. We have a hdhp and a ppo plan. And I’m trying to figure which is best. For the hdhp until we pay the family deductible of 5K I really don’t get much, but at the same time i heard you get a negotiated rate on medications and visits if you’re insured. Does anyone know if this is true and how is the negotiated rate on average? Can I expect to save money? One of my medications is $509 a month retail. So if I get the HDHP I’ll be subject to the deductible before they pay for the medicine, but is the negotiated rate usually decent? It’s blue cross of MA If that helps. Thank you everyone.
submitted by /u/chillytaco95 [link] [comments]Read Morer/HealthInsurance

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