Hey everyone,
I’m trying to decide between two plans from the same insurer. The difference in premium is $10/month.
-Plan A
$2,650 Individual total Deductible $5,300 Family Total Deductible $6,800 Individual total OOP $13,600 Family Total OOP Gold 0% coinsurance (lower visit costs, but most services will require deductible to be met before paying) Estimated Yearly Cost (high use) $26,046
-Plan B
$1,500 Individual total Deductible $3,000 Family Total Deductible $7,250 Individual total OOP $14,500 Family Total OOP Gold 30% coinsurance (higher visit costs, but most services have a set price) Estimated Yearly Cost (high use) $27,841
On the phone they recommended plan B because they said having set prices makes it easier etc. For my wife Plan B sense for pregnancy and all, but it looks like I will need to get a small surgery (more than $5k) done this year, and Plan A seems to be cheaper because of the 100% coinsurance.
Would it make sense to do 2 separate plans, or is there something I’m overlooking that makes one plan better than the other?
Thanks
submitted by /u/HandFedGrapes
[link] [comments]Hey everyone, I’m trying to decide between two plans from the same insurer. The difference in premium is $10/month. -Plan A $2,650 Individual total Deductible $5,300 Family Total Deductible $6,800 Individual total OOP $13,600 Family Total OOP Gold 0% coinsurance (lower visit costs, but most services will require deductible to be met before paying) Estimated Yearly Cost (high use) $26,046 -Plan B $1,500 Individual total Deductible $3,000 Family Total Deductible $7,250 Individual total OOP $14,500 Family Total OOP Gold 30% coinsurance (higher visit costs, but most services have a set price) Estimated Yearly Cost (high use) $27,841 On the phone they recommended plan B because they said having set prices makes it easier etc. For my wife Plan B sense for pregnancy and all, but it looks like I will need to get a small surgery (more than $5k) done this year, and Plan A seems to be cheaper because of the 100% coinsurance. Would it make sense to do 2 separate plans, or is there something I’m overlooking that makes one plan better than the other? Thanks submitted by /u/HandFedGrapes [link] [comments]Read Morer/HealthInsurance