Hey everybody, I need some guidance.
My work offers AETNA plans, and I’m trying to decide between a $235 per-pay-period and $244 per-pay-period plan ($470 p/mo and $488 p/mo). I just repatriated to the states and do not understand what falls under the deductible and how it works. I’ll explain what I need covered most and a few more specifics about the two plans. Even if you can’t recommend one, if you could explain a little on how it works it would be appreciated.
My Needs
I have recurring shoulder problems, and will probably need physical therapy for it and carpal tunnel that’s currently affecting me. Thus what I need most is to reduce the costs of physical therapy visits.
Plan A
Aetna EPO Tri-State ($235)
Primary Care Visits: $25 Yearly Deductible: $2500 Coinsurance: 20% Out-of-Pocket Max: $10,000
Plan B
Aetna EPO 45 Tri-State ($244)
Primary Care Visits: $45 Yearly Deductible: $0 Coinsurance: $0 Out-of-Pocket Max: $10,000
What I don’t know is how the deductible might/usually work with Physical Therapy — do they traditionally count as “specialists”? Do they count towards a deductible? Would a $0 deductible with a $0 coinsurance rate mean my physical therapy visits would be free?
I’m so confused by this and I have to pick soon (and it lasts for the year) so know that any help you can give me might make make a huge, real difference in the quality of my life lol.
submitted by /u/Pen_and_Think_
[link] [comments]
Hey everybody, I need some guidance. My work offers AETNA plans, and I’m trying to decide between a $235 per-pay-period and $244 per-pay-period plan ($470 p/mo and $488 p/mo). I just repatriated to the states and do not understand what falls under the deductible and how it works. I’ll explain what I need covered most and a few more specifics about the two plans. Even if you can’t recommend one, if you could explain a little on how it works it would be appreciated. My Needs I have recurring shoulder problems, and will probably need physical therapy for it and carpal tunnel that’s currently affecting me. Thus what I need most is to reduce the costs of physical therapy visits. Plan A Aetna EPO Tri-State ($235)
Primary Care Visits: $25 Yearly Deductible: $2500 Coinsurance: 20% Out-of-Pocket Max: $10,000
Plan B Aetna EPO 45 Tri-State ($244)
Primary Care Visits: $45 Yearly Deductible: $0 Coinsurance: $0 Out-of-Pocket Max: $10,000
What I don’t know is how the deductible might/usually work with Physical Therapy — do they traditionally count as “specialists”? Do they count towards a deductible? Would a $0 deductible with a $0 coinsurance rate mean my physical therapy visits would be free? I’m so confused by this and I have to pick soon (and it lasts for the year) so know that any help you can give me might make make a huge, real difference in the quality of my life lol.
submitted by /u/Pen_and_Think_ [link] [comments]Read Morer/HealthInsurance