I have health insurance through my large-sized employer and I’m curious if my annual coverage is on par with most people and what their large-sized employer provides or if it could be better? I’ve read some people having said they have $0 annual deductible and $1-2k out of pocket max, but I don’t know if they’re the norm or the anomaly.
Plan details:
Employer pays premiums
PPO
$500 deductible (in network), $1K (out network)
$4k annual OOP max (in), $10k (out)
100% coverage after OOP max
I’ve been hitting the annual OOP in the recent years because of a chronic illness and will likely hit OOP every year if the health issue persists.
HSA-eligible PPO plan has a higher deductible ($1k) and OOP max ($8k, in), so unsure if that’s worth it.
I might also need fertility treatment (IVF) in the future, which current plan doesn’t cover (some states require IVF coverage but for extremely specific cases) and I might change jobs soon.
What should I be looking out for in terms of the health insurance coverage provided by the future employer? Any easy way to compare my current plan to the future plan if I get a copy of the new employers insurance benefit document? Would it help or be prohibitive if the plans are through the same company? Eg, if I’m on BCBS currently and the new plan is also with BCBS, will the premiums be negatively affected because of the health condition I’ve already been diagnosed with and am being treated for?
Thanks!
submitted by /u/pelotauntmylungs
[link] [comments]I have health insurance through my large-sized employer and I’m curious if my annual coverage is on par with most people and what their large-sized employer provides or if it could be better? I’ve read some people having said they have $0 annual deductible and $1-2k out of pocket max, but I don’t know if they’re the norm or the anomaly. Plan details: Employer pays premiums PPO $500 deductible (in network), $1K (out network) $4k annual OOP max (in), $10k (out) 100% coverage after OOP max I’ve been hitting the annual OOP in the recent years because of a chronic illness and will likely hit OOP every year if the health issue persists. HSA-eligible PPO plan has a higher deductible ($1k) and OOP max ($8k, in), so unsure if that’s worth it. I might also need fertility treatment (IVF) in the future, which current plan doesn’t cover (some states require IVF coverage but for extremely specific cases) and I might change jobs soon. What should I be looking out for in terms of the health insurance coverage provided by the future employer? Any easy way to compare my current plan to the future plan if I get a copy of the new employers insurance benefit document? Would it help or be prohibitive if the plans are through the same company? Eg, if I’m on BCBS currently and the new plan is also with BCBS, will the premiums be negatively affected because of the health condition I’ve already been diagnosed with and am being treated for? Thanks! submitted by /u/pelotauntmylungs [link] [comments]Read Morer/HealthInsurance