Hello –
My wife is currently joining a new company and is trying to choose between two plans.
They barely differ in prices, I guess the biggest difference is HSA offering and seemingly overall better plan of Gold plan.
– UHC Gold PPO
Monthly $4.96
Deductible: $1000
OOP Max: $5000
No HSA
– UHC Bronze PPO
Monthly free
Deductible: $6350
OOP Max: $6350
Yes HSA
Employer HSA contribution: $60 monthly
I could post the whole benefits summary here too but my guess is that gold is generally better than bronze (Even though there are some things like…. Copay is 35 for gold, and 0 for bronze?? I hate the insurance system). Not sure what other benefits or coverages we should be looking at since we cant really plan for … being sick.
We have a healthy ~27 year old couple.
What do you guys recommend?
Also as a side question, she used to be under my plan, and now that her company offers an insurance plan, I plan on dropping her from my plan so we can save some $$ monthly. I heard double insurance only causes headache without much benefits. Is this true? If so, it’s probably smart to just both be on each company’s free plan right?
submitted by /u/insurance_sucks_15
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Hello – My wife is currently joining a new company and is trying to choose between two plans. They barely differ in prices, I guess the biggest difference is HSA offering and seemingly overall better plan of Gold plan. – UHC Gold PPO Monthly $4.96 Deductible: $1000 OOP Max: $5000 No HSA – UHC Bronze PPO Monthly free Deductible: $6350 OOP Max: $6350 Yes HSA Employer HSA contribution: $60 monthly I could post the whole benefits summary here too but my guess is that gold is generally better than bronze (Even though there are some things like…. Copay is 35 for gold, and 0 for bronze?? I hate the insurance system). Not sure what other benefits or coverages we should be looking at since we cant really plan for … being sick. We have a healthy ~27 year old couple. What do you guys recommend? Also as a side question, she used to be under my plan, and now that her company offers an insurance plan, I plan on dropping her from my plan so we can save some $$ monthly. I heard double insurance only causes headache without much benefits. Is this true? If so, it’s probably smart to just both be on each company’s free plan right?
submitted by /u/insurance_sucks_15 [link] [comments]Read Morer/HealthInsurance