Annual Enrollment time- multiple options

I am 30/male/ no dependent and no spouse, in 17355 zip code. My company has a choice of multiple health plans this year. They all look extremely similar except for cost, and I was wondering if you guys could take a peek for me to make sure I don’t screw myself. CDHP Option 1 is what I had this year. This year I also for the first time in my life hit my deductible and learned about what most of these terms mean as a result lol. I

Do you think maintaining the current plan I have is a wise decision?

For each plan displayed below, the Total Out of Pocket Costs are the Deductible + the Out of Pocket Costs.

Edited to tidy up the table

Tier Bind Health Plan HDHP with Optional HSA CDHP Option 1 CDHP Option 2 Individual Only $11.18 $15.90 $35.27 $63.80 Individual and Children plus Domestic Partner $124.09 $135.12 $191.29 $274.03 Individual and Domestic Partner and Domestic Partner Children $124.09 $135.12 $191.29 $274.03 Individual and Children plus Domestic Partner and Children $124.09 $135.12 $191.29 $274.03 Individual and Spouse $60.82 $69.64 $110.32 $170.23 Individual and Domestic Partner $60.82 $69.64 $110.32 $170.23 Individual and Children $49.54 $57.18 $92.05 $143.40 Individual and Domestic Partner Children $49.54 $57.18 $92.05 $143.40 Family $124.09 $135.12 $191.29 $274.03 Detail Bind Health Plan HDHP with Optional HSA CDHP Option 1 CDHP Option 2 Deductible (Individual) $0 (In-network) $0 (Out-of-Network) $1,500 (In-network) $3,000 (Out-of-Network) $1,500 (In-network) $3,000 (Out-of-Network) $1,500 Individual (In-network) $3,000 Family (Out-of-Network) Deductible (Family) $0 (In-network) $0 (Out-of-Network) $3,000 (In-network) and $6,000 (Out of Network) $2,250 Ind + Spouse/DP; $2,250 Ind + Child(ren); $3,000 Family (In-network) $4,500 Ind + Spouse/DP; $4,500 Ind + Child(ren); $6,000 Family (Out-of-Network); entire family ded must be satisfied before coinsurance applies; no individual limits $2,250 EE + SP/DP and EE + child(ren); Family $3,000 (In-network). $4,500 EE + SP/DP and EE + child(ren); $6,000 Family (Out-of-Network) Out-of-Pocket Maximum (Individual) $3,600 (In-network) $7,200 (Out-of-Network) $3,600 (In-network); $7,200 (Out-of-network) $3,600 (In-network); $7,200 (Out-of-Network) $3,200 (In-network); $6,400 (Out-of-Network) Out-of-Pocket Maximum (Family) $6,850 (In-network) $14,400 (Out-of-Network) $6,850 (In-network) $14,400 (Out-of-Network)includes deductible; entire family out-of-pocket must be satisfied before eligible expenses are 100% covered $5,400/ee and Spouse/DP; $5,400/ee and children; $6,850/family; (In-network) $10,800/ee and Spouse/DP; $10,800/ee and children; $14,400/ee and family (Out-of-Network); entire family out-of-pocket must be satisfied before elig expenses are 100% covered $4,800/ee and Spouse/DP; $4,800/ee and children; $6,400/family (In-network) $9,600/ee and Spouse/DP; $9,600/ee and children; $12,800/ee and family (Out-of-Network); entire family out-of-pocket must be satisfied before elig expenses are 100% covered Coinsurance 100% covered 2 Coinsurances: Tier 1 Premium Provider: 85% covered, (Incl. Freestanding Facilities); Non Tier 1: 80% covered until OOP max is met 2 Coinsurances: Tier 1 Premium Provider: 85% covered, (Incl. Freestanding Facilities); Non Tier 1: 80% covered until OOP max is met. 2 Coinsurances: Tier 1 Premium Provider: 85% covered, (Incl. Freestanding Facilities); Non Tier 1: 80% covered until OOP max is met. Primary care visit to treat an injury or illness $20-$90 (In-network) $180 (Out-of-network) 80% covered after deductible is met 80% covered after deductible is met 80% covered after deductible is met Specialist visit $20-$90 (In-network) $180 (Out-of-network) 80% covered after deductible is met 80% covered after deductible is met 80% covered after deductible is met Preventive care/screening/immunization 100% covered 100% covered 100% covered 100% covered Outpatient X-Ray $0 (In-network) $0 (Out-of-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) Outpatient Lab and Pathology $0 (In-network) $0 (Out-of-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) Generic drugs $0 Retail; $25 mail order (In-network) – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order Preferred brand drugs $70 for retail formulary, $175 for mail order formulary; $100 for retail non-formulary, $250 for mail order non-formulary (In-network) – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. Outpatient Surgery Up to $2,400; Coverage requiring activation available for certain procedures, up to $3,000 (In-network) Up to $4,000; Coverage requiring activation available for certain procedures, up to $3,000 (Out-of-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) Emergency room services $500 (In-network) $500 (Out-of-network) 80% covered after deductible is met; non-emergency; 50% covered after deductible is met. After 3 ER Visits per year a $300 penalty will apply unless member calls into UHC Nurse 80% covered after deductible is met; non-emergency; 50% covered after deductible is met. After 3 ER Visits per year a $300 penalty will apply unless member calls into UHC Nurse 80% covered after deductible is met; non-emergency; 50% covered after deductible is met. After 3 ER Visits per year a $300 penalty will apply unless member calls into UHC Nurse Inpatient Hospital Care Up to $2,400 80% covered after deductible is met 80% covered after deductible is met 80% covered after deductible is met​

submitted by /u/aarovski
[link] [comments]I am 30/male/ no dependent and no spouse, in 17355 zip code. My company has a choice of multiple health plans this year. They all look extremely similar except for cost, and I was wondering if you guys could take a peek for me to make sure I don’t screw myself. CDHP Option 1 is what I had this year. This year I also for the first time in my life hit my deductible and learned about what most of these terms mean as a result lol. I Do you think maintaining the current plan I have is a wise decision? For each plan displayed below, the Total Out of Pocket Costs are the Deductible + the Out of Pocket Costs. Edited to tidy up the table Tier Bind Health Plan HDHP with Optional HSA CDHP Option 1 CDHP Option 2 Individual Only $11.18 $15.90 $35.27 $63.80 Individual and Children plus Domestic Partner $124.09 $135.12 $191.29 $274.03 Individual and Domestic Partner and Domestic Partner Children $124.09 $135.12 $191.29 $274.03 Individual and Children plus Domestic Partner and Children $124.09 $135.12 $191.29 $274.03 Individual and Spouse $60.82 $69.64 $110.32 $170.23 Individual and Domestic Partner $60.82 $69.64 $110.32 $170.23 Individual and Children $49.54 $57.18 $92.05 $143.40 Individual and Domestic Partner Children $49.54 $57.18 $92.05 $143.40 Family $124.09 $135.12 $191.29 $274.03 Detail Bind Health Plan HDHP with Optional HSA CDHP Option 1 CDHP Option 2 Deductible (Individual) $0 (In-network) $0 (Out-of-Network) $1,500 (In-network) $3,000 (Out-of-Network) $1,500 (In-network) $3,000 (Out-of-Network) $1,500 Individual (In-network) $3,000 Family (Out-of-Network) Deductible (Family) $0 (In-network) $0 (Out-of-Network) $3,000 (In-network) and $6,000 (Out of Network) $2,250 Ind + Spouse/DP; $2,250 Ind + Child(ren); $3,000 Family (In-network) $4,500 Ind + Spouse/DP; $4,500 Ind + Child(ren); $6,000 Family (Out-of-Network); entire family ded must be satisfied before coinsurance applies; no individual limits $2,250 EE + SP/DP and EE + child(ren); Family $3,000 (In-network). $4,500 EE + SP/DP and EE + child(ren); $6,000 Family (Out-of-Network) Out-of-Pocket Maximum (Individual) $3,600 (In-network) $7,200 (Out-of-Network) $3,600 (In-network); $7,200 (Out-of-network) $3,600 (In-network); $7,200 (Out-of-Network) $3,200 (In-network); $6,400 (Out-of-Network) Out-of-Pocket Maximum (Family) $6,850 (In-network) $14,400 (Out-of-Network) $6,850 (In-network) $14,400 (Out-of-Network)includes deductible; entire family out-of-pocket must be satisfied before eligible expenses are 100% covered $5,400/ee and Spouse/DP; $5,400/ee and children; $6,850/family; (In-network) $10,800/ee and Spouse/DP; $10,800/ee and children; $14,400/ee and family (Out-of-Network); entire family out-of-pocket must be satisfied before elig expenses are 100% covered $4,800/ee and Spouse/DP; $4,800/ee and children; $6,400/family (In-network) $9,600/ee and Spouse/DP; $9,600/ee and children; $12,800/ee and family (Out-of-Network); entire family out-of-pocket must be satisfied before elig expenses are 100% covered Coinsurance 100% covered 2 Coinsurances: Tier 1 Premium Provider: 85% covered, (Incl. Freestanding Facilities); Non Tier 1: 80% covered until OOP max is met 2 Coinsurances: Tier 1 Premium Provider: 85% covered, (Incl. Freestanding Facilities); Non Tier 1: 80% covered until OOP max is met. 2 Coinsurances: Tier 1 Premium Provider: 85% covered, (Incl. Freestanding Facilities); Non Tier 1: 80% covered until OOP max is met. Primary care visit to treat an injury or illness $20-$90 (In-network) $180 (Out-of-network) 80% covered after deductible is met 80% covered after deductible is met 80% covered after deductible is met Specialist visit $20-$90 (In-network) $180 (Out-of-network) 80% covered after deductible is met 80% covered after deductible is met 80% covered after deductible is met Preventive care/screening/immunization 100% covered 100% covered 100% covered 100% covered Outpatient X-Ray $0 (In-network) $0 (Out-of-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) Outpatient Lab and Pathology $0 (In-network) $0 (Out-of-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) Generic drugs $0 Retail; $25 mail order (In-network) – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order Preferred brand drugs $70 for retail formulary, $175 for mail order formulary; $100 for retail non-formulary, $250 for mail order non-formulary (In-network) – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. – Tier 1 15% coinsurance after ded – Tier 2 20% coinsurance after ded – Tier 3 30% coinsurance after ded – Tier 4 40% coinsurance after ded – The tiers and %s apply to mail order. Outpatient Surgery Up to $2,400; Coverage requiring activation available for certain procedures, up to $3,000 (In-network) Up to $4,000; Coverage requiring activation available for certain procedures, up to $3,000 (Out-of-network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In network) FreeStanding Network Facility- 85% In-Network non FreeStanding Network Facility -80% -after deductible is met (In-network) Emergency room services $500 (In-network) $500 (Out-of-network) 80% covered after deductible is met; non-emergency; 50% covered after deductible is met. After 3 ER Visits per year a $300 penalty will apply unless member calls into UHC Nurse 80% covered after deductible is met; non-emergency; 50% covered after deductible is met. After 3 ER Visits per year a $300 penalty will apply unless member calls into UHC Nurse 80% covered after deductible is met; non-emergency; 50% covered after deductible is met. After 3 ER Visits per year a $300 penalty will apply unless member calls into UHC Nurse Inpatient Hospital Care Up to $2,400 80% covered after deductible is met 80% covered after deductible is met 80% covered after deductible is met​ submitted by /u/aarovski [link] [comments]Read Morer/HealthInsurance

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