I started a new job and these choices are confusing for me especially since I don’t go to the doctor often and my previous insurance were just based on the copays available.
Plan A: $29 premium, $2,000 deductible, Primary Care: Ded then $30 copay
Plan B: $19 premium, $3,500 deductible, Primary Care: Ded then 20% coinsurance
Plan C: $47 premium, $3,000 deductible, Primary Care: $40 copay primary/$60 copay specialist
Prior to last year, I havent been to a doctor. Right now, I mainly use my insurance to see my therapist. When I calculated the cost therapy would be, it would be about 7 months with the $2000 deductible before I could start paying the cheaper copay based on how often I see her.
Is it something like “I can afford to pay $2000 before I start needing help to pay for medical stuff?” or “Since I dont go to the doctor often, paying $40 each visit wouldnt be so bad?”
Just hoping for some questions to ask myself as Im picking an insurance
submitted by /u/starsreminisce
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I started a new job and these choices are confusing for me especially since I don’t go to the doctor often and my previous insurance were just based on the copays available. Plan A: $29 premium, $2,000 deductible, Primary Care: Ded then $30 copay Plan B: $19 premium, $3,500 deductible, Primary Care: Ded then 20% coinsurance Plan C: $47 premium, $3,000 deductible, Primary Care: $40 copay primary/$60 copay specialist Prior to last year, I havent been to a doctor. Right now, I mainly use my insurance to see my therapist. When I calculated the cost therapy would be, it would be about 7 months with the $2000 deductible before I could start paying the cheaper copay based on how often I see her. Is it something like “I can afford to pay $2000 before I start needing help to pay for medical stuff?” or “Since I dont go to the doctor often, paying $40 each visit wouldnt be so bad?” Just hoping for some questions to ask myself as Im picking an insurance
submitted by /u/starsreminisce [link] [comments]Read Morer/HealthInsurance