Hi, I am trying to choose an insurance plan for our family through my spouse. Spouse does not have chronic disease, I do. I have type 1 diabetes and am on a pump and CGM. I am well controlled and have never had to be hospitalized since diagnosis. This becomes intimately complex in most applications because I don’t know whether my pump or CGM is covered by “in network” providers. There are 3 options.
HDHP plan – $97/per pay period which is q2wks
The HDHP plan has ZERO out of network coverage. Deductible is $2000 for the employed person only, and $4000 for the whole family (which sounds like I’d have to hit a $4000 dedutible to get coverage for anything else). OOP max is $3275 for the employed person and $6550 for the family.
$1500 deductible plan – $284/ppp
In network coverage- Deductible is $1500 per individual and $3000 for family, in network. OOP max is $5000 for individual, $10,000 for family.
$6350 deductible plan – employer pays
In network coverage – Deductible is $6350 per individual, $12,700 per family. OOP max is $6350/individual and $12,700 per family.
I’m not sure if FSA or HSA applies to these plans.
I used to be able to figure out which one was best on my own, but in recent years I have found it impossible.
submitted by /u/Acceptable_Account45
[link] [comments]
Hi, I am trying to choose an insurance plan for our family through my spouse. Spouse does not have chronic disease, I do. I have type 1 diabetes and am on a pump and CGM. I am well controlled and have never had to be hospitalized since diagnosis. This becomes intimately complex in most applications because I don’t know whether my pump or CGM is covered by “in network” providers. There are 3 options. HDHP plan – $97/per pay period which is q2wks The HDHP plan has ZERO out of network coverage. Deductible is $2000 for the employed person only, and $4000 for the whole family (which sounds like I’d have to hit a $4000 dedutible to get coverage for anything else). OOP max is $3275 for the employed person and $6550 for the family. $1500 deductible plan – $284/ppp In network coverage- Deductible is $1500 per individual and $3000 for family, in network. OOP max is $5000 for individual, $10,000 for family. $6350 deductible plan – employer pays In network coverage – Deductible is $6350 per individual, $12,700 per family. OOP max is $6350/individual and $12,700 per family. I’m not sure if FSA or HSA applies to these plans. I used to be able to figure out which one was best on my own, but in recent years I have found it impossible.
submitted by /u/Acceptable_Account45 [link] [comments]Read Morer/HealthInsurance