So I recently got a new job and I’m in the process of enrolling in benefits. I have 3 options and I can’t really decide what’s best:
There’s a $1000 copay plan, and the monthly premium is close to $400, which I feel is pretty expensive.
Then there’s a deductible plan, where after $1500 insurance covers 80%, the monthly premium for this is $224
The last option is a $3500 deductible plan, insurance covers 100% after deductible, and the monthly premium is $148.
I’m a pretty young and healthy guy, so I don’t go to the doctors very often. The copay plan feels very expensive to me and I feel it puts a considerable dent in my paycheck. On the other hand $3500 feels like a high deductible for me. I recently had to go to an urgent care and I didn’t have insurance at the time, followed by a visit to a urologist, and the whole trip cost me close to $550, which is why thinking about the copay plan makes me think how much cheaper it would have been. Looking for advice from people who know better about this stuff.
submitted by /u/DudeDurk
[link] [comments]
So I recently got a new job and I’m in the process of enrolling in benefits. I have 3 options and I can’t really decide what’s best: There’s a $1000 copay plan, and the monthly premium is close to $400, which I feel is pretty expensive. Then there’s a deductible plan, where after $1500 insurance covers 80%, the monthly premium for this is $224 The last option is a $3500 deductible plan, insurance covers 100% after deductible, and the monthly premium is $148. I’m a pretty young and healthy guy, so I don’t go to the doctors very often. The copay plan feels very expensive to me and I feel it puts a considerable dent in my paycheck. On the other hand $3500 feels like a high deductible for me. I recently had to go to an urgent care and I didn’t have insurance at the time, followed by a visit to a urologist, and the whole trip cost me close to $550, which is why thinking about the copay plan makes me think how much cheaper it would have been. Looking for advice from people who know better about this stuff.
submitted by /u/DudeDurk [link] [comments]Read Morer/HealthInsurance