I’m in Chicago and I work for a multinational corporation. We have the option of a series of healthcare plans, and each plan has three carrier options. Ostensibly, and according to the summary of benefits the same plan is IDENTICAL between carriers. So, for instance, if I choose Plan A, I have the option of the same plan administered by either Aetna, Cigna, or United Healthcare.
However, each carrier has a different price for the same plan, representing about a 30 dollar spread from cheapest (Aetna) to most expensive (United Healthcare) per bi-weekly pay period. This is about ~$60 per month difference.
What accounts for the difference? Network differences (I’ve checked each network and all three have my doctors in them). I want to make sure in opting for the most inexpensive plan I am not cheaping out, so to say, or missing an important difference.
submitted by /u/popsocketAnddropit
[link] [comments]
I’m in Chicago and I work for a multinational corporation. We have the option of a series of healthcare plans, and each plan has three carrier options. Ostensibly, and according to the summary of benefits the same plan is IDENTICAL between carriers. So, for instance, if I choose Plan A, I have the option of the same plan administered by either Aetna, Cigna, or United Healthcare. However, each carrier has a different price for the same plan, representing about a 30 dollar spread from cheapest (Aetna) to most expensive (United Healthcare) per bi-weekly pay period. This is about ~$60 per month difference. What accounts for the difference? Network differences (I’ve checked each network and all three have my doctors in them). I want to make sure in opting for the most inexpensive plan I am not cheaping out, so to say, or missing an important difference.
submitted by /u/popsocketAnddropit [link] [comments]Read Morer/HealthInsurance