I’m 22, just got a new job, and am looking to sign up for health insurance and need advice. Haven’t been to the doctors that much. However, I do have a couple of health concerns, a major one being acid reflux (GERD), along with eczema, depression, anxiety, and a weak immune system and ankle (sprained a couple of times and doesn’t seem to heal – may need to see a specialist). Maybe I even have something that I’m not aware of since I haven’t visited in a while? I want to take better care of my health now that I have the option.
A bit of research taught me that having an HSA is tax advantageous and incredible for people in their early careers to enroll in as most are typically healthy but considering my situation and health, I’m not too sure if I consider myself healthy… I also have no idea of what to expect to pay if I were to choose the HDHP plan. For example, my plan says I pay 10% if I were to visit PCP, specialist, etc. but how much will that actually cost me? Are the costs different at different places or is there an average/universal cost? Apologies if this is a silly question.
Below are the two options in more detail and I’m looking for help deciding which option is best for my situation.
HDHP + HSA:
The company contributes $500 a year to your HSA The deductible is $2,000 The out-of-pocket max is $6,800 PCP, Specialist, Mental Health Visits, Telemedicine, etc. = I pay 10% / 30% Prescription Drugs: I pay 20% Premium Cost Per Paycheck: $29.88
Standard Plan:
The deductible is $750 The medical out-of-pocket max is $3,550 The pharmacy out-of-pocket max is $2,600 Visits: Copay of $30 for PCP, $40 for Specialist, $50 for Urgent Care, $20 for Mental Health Visits, $200 for ER Prescription Drugs: Generic $10, Brand $35-$60, Specialty 30% Premium Cost Per Paycheck: $50.82
Some additional questions as I’m learning more about insurance… how do you know if these plans are good? Are the two options competitive?
submitted by /u/kittea5117
[link] [comments]
I’m 22, just got a new job, and am looking to sign up for health insurance and need advice. Haven’t been to the doctors that much. However, I do have a couple of health concerns, a major one being acid reflux (GERD), along with eczema, depression, anxiety, and a weak immune system and ankle (sprained a couple of times and doesn’t seem to heal – may need to see a specialist). Maybe I even have something that I’m not aware of since I haven’t visited in a while? I want to take better care of my health now that I have the option. A bit of research taught me that having an HSA is tax advantageous and incredible for people in their early careers to enroll in as most are typically healthy but considering my situation and health, I’m not too sure if I consider myself healthy… I also have no idea of what to expect to pay if I were to choose the HDHP plan. For example, my plan says I pay 10% if I were to visit PCP, specialist, etc. but how much will that actually cost me? Are the costs different at different places or is there an average/universal cost? Apologies if this is a silly question. Below are the two options in more detail and I’m looking for help deciding which option is best for my situation. HDHP + HSA:
The company contributes $500 a year to your HSA The deductible is $2,000 The out-of-pocket max is $6,800 PCP, Specialist, Mental Health Visits, Telemedicine, etc. = I pay 10% / 30% Prescription Drugs: I pay 20% Premium Cost Per Paycheck: $29.88
Standard Plan:
The deductible is $750 The medical out-of-pocket max is $3,550 The pharmacy out-of-pocket max is $2,600 Visits: Copay of $30 for PCP, $40 for Specialist, $50 for Urgent Care, $20 for Mental Health Visits, $200 for ER Prescription Drugs: Generic $10, Brand $35-$60, Specialty 30% Premium Cost Per Paycheck: $50.82
Some additional questions as I’m learning more about insurance… how do you know if these plans are good? Are the two options competitive?
submitted by /u/kittea5117 [link] [comments]Read Morer/HealthInsurance