Choosing Between Kaiser HMO and Anthem PPO (California)

So I recently got a new job at a healthcare provider, and have the choice between a Kaiser HMO plan, or an Anthem PPO plan. From what I can ascertain from the plan literature, the Anthem PPO plan has two tiers, Tier 1 is the hospital system that employs me, and Tier 2 is anyone in the Anthem network. I likely would not be using my employer’s facilities as they are a bit out of the way with regards to convenience. The plan will be covering myself and my wife, both of us are mid 20’s in good health with no pre-existing conditions. We currently are on Kaiser, but since Anthem is free, we are definitely leaning towards that plan. I personally don’t have much experience with either as I have luckily not needed healthcare service in any significant way throughout my life. Below is my summary of the plan costs, can anyone help decipher this? If there’s no deductible does that mean everything is going to be covered? How does the Out of Pocket maximum apply if there’s no deductible? Thanks all! ​ https://preview.redd.it/fhsifc6jtvy51.png?width=700&format=png&auto=webp&s=7213ca65ee9e20944bf39dd0d3d2d61744e7a952 submitted by /u/1877-kars4kids [link] [comments]

So I recently got a new job at a healthcare provider, and have the choice between a Kaiser HMO plan, or an Anthem PPO plan. From what I can ascertain from the plan literature, the Anthem PPO plan has two tiers, Tier 1 is the hospital system that employs me, and Tier 2 is anyone in the Anthem network. I likely would not be using my employer’s facilities as they are a bit out of the way with regards to convenience. The plan will be covering myself and my wife, both of us are mid 20’s in good health with no pre-existing conditions. We currently are on Kaiser, but since Anthem is free, we are definitely leaning towards that plan. I personally don’t have much experience with either as I have luckily not needed healthcare service in any significant way throughout my life. Below is my summary of the plan costs, can anyone help decipher this? If there’s no deductible does that mean everything is going to be covered? How does the Out of Pocket maximum apply if there’s no deductible? Thanks all! ​ https://preview.redd.it/fhsifc6jtvy51.png?width=700&format=png&auto=webp&s=7213ca65ee9e20944bf39dd0d3d2d61744e7a952
submitted by /u/1877-kars4kids [link] [comments]Read Morer/HealthInsurance