After some months of unemployment, I finally started a new job and am unsure of which health insurance plan to sign up for through my company. Some background about me: I’m a 27-year-old female who’s relatively healthy (knock on wood!). I take Spironolactone and Levothyroxine daily, and occasionally take a Vyvanse when the need arises (about once every few weeks). Because of my recent unemployment, I’m behind on some checkups from the dermatologist, rheumatologist, and possibly another specialist. Besides these checkups, I’m not planning on seeing them regularly this year, though some may require some tests/Xrays/etc. Additionally, I’d like to talk to my therapist once a month and see a chiropractor a few times for neck issues. With these facts in mind, I’d really appreciate any insight on what plan would be the most cost-efficient. Thank you!
Blue Cross Blue Shield HMO
Premium: $112.44/month ($56.22/paycheck)
Deductible: $0
Coinsurance: N/A
Medical Out of Pocket (includes deductible and medical copays): $1,500
Prescription Out of Pocket (includes Rx copays): $500
Office/Specialist Visit: $10/$30 copay
Prescription Drug Coverage: Retail – $15/$25/$50; Mail Order – $35/$65/$140
Emergency Services: $150 copay
Facility Services/Inpatient/Outpatient Hospital Services: 100%
Alternative PPO with HSA (Company contributes $500/year to HSA account)
Premium: $85.67/month ($42.84/paycheck)
Deductible: $1,500
Coinsurance: Insurance covers 80% after deductible
Medical Out of Pocket (includes deductible and medical copays): $3,000
Prescription Out of Pocket (includes Rx copays): N/A
Office/Specialist Visit: Insurance covers 80% after deductible
Prescription Drug Coverage: Insurance covers 80% after deductible
Emergency Services: Insurance covers 80% after deductible
Facility Services/Inpatient/Outpatient Hospital Services: Insurance covers 80% after deductible
submitted by /u/lerajane
[link] [comments]After some months of unemployment, I finally started a new job and am unsure of which health insurance plan to sign up for through my company. Some background about me: I’m a 27-year-old female who’s relatively healthy (knock on wood!). I take Spironolactone and Levothyroxine daily, and occasionally take a Vyvanse when the need arises (about once every few weeks). Because of my recent unemployment, I’m behind on some checkups from the dermatologist, rheumatologist, and possibly another specialist. Besides these checkups, I’m not planning on seeing them regularly this year, though some may require some tests/Xrays/etc. Additionally, I’d like to talk to my therapist once a month and see a chiropractor a few times for neck issues. With these facts in mind, I’d really appreciate any insight on what plan would be the most cost-efficient. Thank you! Blue Cross Blue Shield HMO Premium: $112.44/month ($56.22/paycheck) Deductible: $0 Coinsurance: N/A Medical Out of Pocket (includes deductible and medical copays): $1,500 Prescription Out of Pocket (includes Rx copays): $500 Office/Specialist Visit: $10/$30 copay Prescription Drug Coverage: Retail – $15/$25/$50; Mail Order – $35/$65/$140 Emergency Services: $150 copay Facility Services/Inpatient/Outpatient Hospital Services: 100% Alternative PPO with HSA (Company contributes $500/year to HSA account) Premium: $85.67/month ($42.84/paycheck) Deductible: $1,500 Coinsurance: Insurance covers 80% after deductible Medical Out of Pocket (includes deductible and medical copays): $3,000 Prescription Out of Pocket (includes Rx copays): N/A Office/Specialist Visit: Insurance covers 80% after deductible Prescription Drug Coverage: Insurance covers 80% after deductible Emergency Services: Insurance covers 80% after deductible Facility Services/Inpatient/Outpatient Hospital Services: Insurance covers 80% after deductible submitted by /u/lerajane [link] [comments]Read Morer/HealthInsurance