I have a few options and have narrowed it down between 3. The monthly premium is similar between them, but there are some differences in other areas. They are all from the same place (Blue Cross Blue Sheild), and they all cover the same drugs/hospitals, etc.
I am a T1 diabetic, with hypothyroidism, so I have a steady stream of prescription medication. I don’t go to the dr as much as I should, but sometimes, and sometimes an endocrinologist. In the near future, my partner and I may try to have a baby. I have no idea if I’ll need any sort of fertility treatment.
I am leaning towards option 3? Does it seem the other cost breakdowns outweigh the lower deductible of option 2? Plan one is my current plan that will auto-renew If I select nothing.
Thank you for any help deciding!
Plan One:
monthly premium: $39
Deductible: $1443
Out of pocket max: $1900
Primary care visit: $5 (in network)
Specialist visit: $5(in network)
x-rays, lab outpatient, outpatient facility: $5 (in network)
Generic drugs: $5
Preferred brand drugs: $5
non-preferred brand drugs: $9
prescription drug deductible: $0
Prescription drug out-of-pocket maximum: Included in plan’s out-of-pocket maximum
ER room care: no charge
Inpatient dr and surgical services: no charge after deductible
Infertility treatment: no charge after deductible
Plan Two:
monthly premium: $25
Deductible: $400
Out of pocket max: $1000
Primary care visit: $5 (in network)
Specialist visit: $10((in network)
x-rays, lab outpatient, outpatient facility: 20% coinsurance after deductible
Generic drugs: $5
Preferred brand drugs: $20 copay after deductible
non-preferred brand drugs: $40 copay after deductible
prescription drug deductible: $115
Prescription drug out-of-pocket maximum: Included in plan’s out-of-pocket maximum
ER room care: $60 copay after deductible
Inpatient dr and surgical services: 20% copay after deductible
Infertility treatment: 20% coinsurance after deductible
Plan Three:
monthly premium: $41
Deductible: $625
Out of pocket max: $625
Primary care visit: no charge after deductible (in network)
Specialist visit: no charge after deductible (in network)
x-rays, lab outpatient, outpatient facility: no charge after deductible (in network)
Generic drugs: no charge after deductible
Preferred brand drugs: no charge after deductible
non-preferred brand drugs: no charge after deductible
prescription drug deductible: included in deductible
Prescription drug out-of-pocket maximum: Included in plan’s out-of-pocket maximum
ER room care: no charge after deductible
Inpatient dr and surgical services: no charge after deductible
Infertility treatment: no charge after deductible
submitted by /u/puppywee
[link] [comments]I have a few options and have narrowed it down between 3. The monthly premium is similar between them, but there are some differences in other areas. They are all from the same place (Blue Cross Blue Sheild), and they all cover the same drugs/hospitals, etc. I am a T1 diabetic, with hypothyroidism, so I have a steady stream of prescription medication. I don’t go to the dr as much as I should, but sometimes, and sometimes an endocrinologist. In the near future, my partner and I may try to have a baby. I have no idea if I’ll need any sort of fertility treatment. I am leaning towards option 3? Does it seem the other cost breakdowns outweigh the lower deductible of option 2? Plan one is my current plan that will auto-renew If I select nothing. Thank you for any help deciding! Plan One: monthly premium: $39 Deductible: $1443 Out of pocket max: $1900 Primary care visit: $5 (in network) Specialist visit: $5(in network) x-rays, lab outpatient, outpatient facility: $5 (in network) Generic drugs: $5 Preferred brand drugs: $5 non-preferred brand drugs: $9 prescription drug deductible: $0 Prescription drug out-of-pocket maximum: Included in plan’s out-of-pocket maximum ER room care: no charge Inpatient dr and surgical services: no charge after deductible Infertility treatment: no charge after deductible Plan Two: monthly premium: $25 Deductible: $400 Out of pocket max: $1000 Primary care visit: $5 (in network) Specialist visit: $10((in network) x-rays, lab outpatient, outpatient facility: 20% coinsurance after deductible Generic drugs: $5 Preferred brand drugs: $20 copay after deductible non-preferred brand drugs: $40 copay after deductible prescription drug deductible: $115 Prescription drug out-of-pocket maximum: Included in plan’s out-of-pocket maximum ER room care: $60 copay after deductible Inpatient dr and surgical services: 20% copay after deductible Infertility treatment: 20% coinsurance after deductible Plan Three: monthly premium: $41 Deductible: $625 Out of pocket max: $625 Primary care visit: no charge after deductible (in network) Specialist visit: no charge after deductible (in network) x-rays, lab outpatient, outpatient facility: no charge after deductible (in network) Generic drugs: no charge after deductible Preferred brand drugs: no charge after deductible non-preferred brand drugs: no charge after deductible prescription drug deductible: included in deductible Prescription drug out-of-pocket maximum: Included in plan’s out-of-pocket maximum ER room care: no charge after deductible Inpatient dr and surgical services: no charge after deductible Infertility treatment: no charge after deductible submitted by /u/puppywee [link] [comments]Read Morer/HealthInsurance