Comparing plans by making a detailed estimate of healthcare costs before signing up

I’d like to make a detailed cost comparison between a managed care plan and an HSA plan.

Both plans use the Aetna Choice POS II network (but according to HR, these different versions of the plan are sometimes covered or not by the same doctor and you have to specify which plan you have to be sure when asking if they take your insurance).

I have CPT codes for all the healthcare I’ve used up to this month and the detailed EOBs from our previous health plan (Empire BCBS PPO).

However I can’t see an easy way to estimate with reasonable accuracy how much the different options for the new health plan would cost for the services I’m likely to use. Aetna probably has different agreements with the physicians I use and so the discount to the full price on the EOB will presumably differ from the one that Empire BCBS negotiated.

Calculators on Aetna’s site seem to require that you’re already signed up for a plan (but I’m trying to choose, so by definition I’m not signed up!).

Any suggestions?

submitted by /u/monteverdevecchio
[link] [comments]
I’d like to make a detailed cost comparison between a managed care plan and an HSA plan. Both plans use the Aetna Choice POS II network (but according to HR, these different versions of the plan are sometimes covered or not by the same doctor and you have to specify which plan you have to be sure when asking if they take your insurance). I have CPT codes for all the healthcare I’ve used up to this month and the detailed EOBs from our previous health plan (Empire BCBS PPO). However I can’t see an easy way to estimate with reasonable accuracy how much the different options for the new health plan would cost for the services I’m likely to use. Aetna probably has different agreements with the physicians I use and so the discount to the full price on the EOB will presumably differ from the one that Empire BCBS negotiated. Calculators on Aetna’s site seem to require that you’re already signed up for a plan (but I’m trying to choose, so by definition I’m not signed up!). Any suggestions?
submitted by /u/monteverdevecchio [link] [comments]Read Morer/HealthInsurance

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