I am currently enrolling in an Aetna plan through my new company.
It’s a pretty standard family plan:
I can pay $205 per paycheck for their “Health Fund” where not much is covered until you hit a $4,000 deductible and then 80% is covered.
Or
I can pay $372 per paycheck for their PPO where I would pay a $25 or $45 copay depending on specialist or not.
Everything else about the plans is virtually the same. They will cover 60% after deductible for anything out of network, preventive care is completely covered and the prescription coverage difference is negligible, about $10 between the two.
I know this is a personal decision, so for reference I do not require any regular visits. My wife has a therapist and psych and is on one medication that is very reasonably priced and we have a 6 month old who, at the moment, is healthy and will only require doctors visits on a regular schedule.
My main goal is deciding whether the savings on a per paycheck basis is worth the higher deductible and more upfront out of pocket costs for the first part of the year.
Any advice or tips would be great!
submitted by /u/rward8585
[link] [comments]I am currently enrolling in an Aetna plan through my new company. It’s a pretty standard family plan: I can pay $205 per paycheck for their “Health Fund” where not much is covered until you hit a $4,000 deductible and then 80% is covered. Or I can pay $372 per paycheck for their PPO where I would pay a $25 or $45 copay depending on specialist or not. Everything else about the plans is virtually the same. They will cover 60% after deductible for anything out of network, preventive care is completely covered and the prescription coverage difference is negligible, about $10 between the two. I know this is a personal decision, so for reference I do not require any regular visits. My wife has a therapist and psych and is on one medication that is very reasonably priced and we have a 6 month old who, at the moment, is healthy and will only require doctors visits on a regular schedule. My main goal is deciding whether the savings on a per paycheck basis is worth the higher deductible and more upfront out of pocket costs for the first part of the year. Any advice or tips would be great! submitted by /u/rward8585 [link] [comments]Read Morer/HealthInsurance