I need to get an endoscopy and colonoscopy done by my gastroenterologist and today is the last day before I can switch my health insurance in time for the appointment. I got a little busy with work and put it off a bit too long..
Long story short, I’m trying to decide between a bronze and a silver PPO. I’m a fairly healthy 31 year old but I’ve been having some gastrointestinal problems for the past year. I also need to visit an orthopedist and a dermatologist to get a couple other things checked out.
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Quick comparison:
Monthly Cost (based in Los Angeles)
Bronze: $372
Silver: $478
Income: 60,000-75,000
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Deductible
Bronze: $6300 deductible
Silver: $4000 deductible
Out of pocket max for both: $8200
—
Primary Care Visit
Bronze: first 3 visits at $65 Copay before deductible
Silver: $40 Copay
—
Specialist Visit
Bronze: $95 Copay after deductible
Silver: $80 Copay
—
Other Practitioner Office Visit
Bronze: $65 Copay after deductible
Silver: $40 Copay
—
ER Facility Fee
Bronze: 40% Coinsurance after deductible
Silver: $400 Copay
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Emergency Transportation
Bronze: 40% Coinsurance after deductible
Silver: $250 Copay
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Urgent Care
Bronze: $65 Copay after deductible
Silver: $40 Copay
—
Inpatient Hospital Services
Bronze: 40% Coinsurance after deductible
Silver: 20% Coinsurance after deductible
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Inpatient Physician and Surgical Services
Bronze: 40% deductible after Coinsurance
Silver: 20% Coinsurance
—
Medical stuff that needs to be done this year:
-Endoscopy and colonoscopy to investigate stomach issues
-checkup and removal of small (pea sized) benign tumor on foot
-checkup at the dermatologist
-general wellness checkup/labs by a GP
I’m leaning more towards the silver option since I’ll have one more super minor medical procedure that needs to be done this year (tumor removal), but I’m not sure if I’m picking the right one? This is my first time figuring out health insurance so any help would be greatly appreciated! Thanks!
submitted by /u/pomegranatesahoy
[link] [comments]
I need to get an endoscopy and colonoscopy done by my gastroenterologist and today is the last day before I can switch my health insurance in time for the appointment. I got a little busy with work and put it off a bit too long.. Long story short, I’m trying to decide between a bronze and a silver PPO. I’m a fairly healthy 31 year old but I’ve been having some gastrointestinal problems for the past year. I also need to visit an orthopedist and a dermatologist to get a couple other things checked out. — Quick comparison: Monthly Cost (based in Los Angeles) Bronze: $372 Silver: $478 Income: 60,000-75,000 — Deductible Bronze: $6300 deductible Silver: $4000 deductible Out of pocket max for both: $8200 — Primary Care Visit Bronze: first 3 visits at $65 Copay before deductible Silver: $40 Copay — Specialist Visit Bronze: $95 Copay after deductible Silver: $80 Copay — Other Practitioner Office Visit Bronze: $65 Copay after deductible Silver: $40 Copay — ER Facility Fee Bronze: 40% Coinsurance after deductible Silver: $400 Copay — Emergency Transportation Bronze: 40% Coinsurance after deductible Silver: $250 Copay — Urgent Care Bronze: $65 Copay after deductible Silver: $40 Copay — Inpatient Hospital Services Bronze: 40% Coinsurance after deductible Silver: 20% Coinsurance after deductible — Inpatient Physician and Surgical Services Bronze: 40% deductible after Coinsurance Silver: 20% Coinsurance — Medical stuff that needs to be done this year: -Endoscopy and colonoscopy to investigate stomach issues -checkup and removal of small (pea sized) benign tumor on foot -checkup at the dermatologist -general wellness checkup/labs by a GP I’m leaning more towards the silver option since I’ll have one more super minor medical procedure that needs to be done this year (tumor removal), but I’m not sure if I’m picking the right one? This is my first time figuring out health insurance so any help would be greatly appreciated! Thanks!
submitted by /u/pomegranatesahoy [link] [comments]Read Morer/HealthInsurance