I just started a new job and am trying to figure out which healthcare plan is best for me. For context, I am healthy, single, and have no kids. I am living in Northern CA but plan to travel a few times a year.
Does anyone have any advice? I’ve added the details below (premium is $0 for all plans):
Anthem Blue Cross EPO Anthem Blue Cross PPO Kaiser HMO Northern CA
Deductible $0 $0 $0
Out-of-Pocket Maximum $1500 $1000 $1500
Coinsurance $0 10% $0
Primary care visit to treat an injury or illness $15 $10 $20
Specialist visit $15 $10 $20
Outpatient X-Ray or Outpatient Lab and Pathology $0 10% $0 if preventative – otherwise, 10%
Outpatient Surgery $0 10% $150
Inpatient Hospital Care $250 $200 per admit then 10% to out of pocket max $250
Emergency room services $100 $100 then 10% up to out of pocket max $100
Preferred brand drugs $25 $25 $30
Non-preferred brand drugs $40 $40 $30
Specialty drugs 20% coinsurance up to $150 per prescription 20% coinsurance up to $150 per prescription $30
submitted by /u/applyhuman
[link] [comments]
I just started a new job and am trying to figure out which healthcare plan is best for me. For context, I am healthy, single, and have no kids. I am living in Northern CA but plan to travel a few times a year. Does anyone have any advice? I’ve added the details below (premium is $0 for all plans):
Anthem Blue Cross EPO Anthem Blue Cross PPO Kaiser HMO Northern CA
Deductible $0 $0 $0
Out-of-Pocket Maximum $1500 $1000 $1500
Coinsurance $0 10% $0
Primary care visit to treat an injury or illness $15 $10 $20
Specialist visit $15 $10 $20
Outpatient X-Ray or Outpatient Lab and Pathology $0 10% $0 if preventative – otherwise, 10%
Outpatient Surgery $0 10% $150
Inpatient Hospital Care $250 $200 per admit then 10% to out of pocket max $250
Emergency room services $100 $100 then 10% up to out of pocket max $100
Preferred brand drugs $25 $25 $30
Non-preferred brand drugs $40 $40 $30
Specialty drugs 20% coinsurance up to $150 per prescription 20% coinsurance up to $150 per prescription $30
submitted by /u/applyhuman [link] [comments]Read Morer/HealthInsurance