I am type 2 diabetic, so I have prescriptions I need to get. I would be the only one on the plan for the immediate future.
I’m offered two different plans through two different providers. They both have a Standard plan and a Shared Deductible plan. Concerning prescriptions, the SD plan says I would pay full cost for prescriptions until I reach the deductible ($1000). After that, I would only pay a percentage of the Rx until I reach max out of pocket.
The Standard plan says I would only pay a co-pay or percentage of the Rx from day one until I hit the separate prescription drug deductible (I think it mentioned it is $4k in a family plan?). The co-pay seems like the cheaper route to go, and their medical deductible is considerably lower ($300). Out of pocket max is a bit higher, plan cost per pay cheque is higher as well.
Anyone have any suggestions or further insight? Maybe I’m missing something?
submitted by /u/DaddyBishop
[link] [comments]I am type 2 diabetic, so I have prescriptions I need to get. I would be the only one on the plan for the immediate future. I’m offered two different plans through two different providers. They both have a Standard plan and a Shared Deductible plan. Concerning prescriptions, the SD plan says I would pay full cost for prescriptions until I reach the deductible ($1000). After that, I would only pay a percentage of the Rx until I reach max out of pocket. The Standard plan says I would only pay a co-pay or percentage of the Rx from day one until I hit the separate prescription drug deductible (I think it mentioned it is $4k in a family plan?). The co-pay seems like the cheaper route to go, and their medical deductible is considerably lower ($300). Out of pocket max is a bit higher, plan cost per pay cheque is higher as well. Anyone have any suggestions or further insight? Maybe I’m missing something? submitted by /u/DaddyBishop [link] [comments]Read Morer/HealthInsurance