Hi all,
So I am currently torn between two (pretty terrible) health insurance plans and I am in desperate need of determining which of the two is less crappy. I will describe them down below:
Plan 1: $40/mo
Medical and Drug Deductible: $8,700
PCP Visit: $45 – Specialist visit: $115
Inpatient hospital stay: $3,000/day, no co-insurance – Inpatient services: No copay/No coinsurance – Emergency room: $2,500/day – no coinsurance – Urgent care: $60
Labs: $60 – Xray: $50% coinsurance – diagnostic imaging: 50% coinsurance
Outpatient surgery: 50% coinsurance – Outpatient mental health visits: 50% coinsurance – Rehab: 50% coinsurance.
VS
Plan 2: $98/mo
Medical and Drug Deductible: $6,950
PCP visit: $40 – Specialist visit: $100
Inpatient hospital stay: 50% coinsurance – Inpatient services: 50% coinsurance – Emergency room: 50% coinsurance – Urgent care: $50
Labs: $10 preferred, $50 non-preferred – Xray: $95 – Diagnostic imaging: 50% coinsurance
Outpatient surgery: 50% coinsurance – Outpatient mental health visits: $40 – Rehab: $100
Both plans are very similar and I am having a really hard tome deciding if the extra almost $50 a month is worth it or not. The main difference is that plan 1 has more set prices (ex. $3,000 for hospital) compared to plan 2 which is based more on coinsurance. What would be cheaper in terms of care? Would it be best to pay the flat out rates of Plan 1, or cheaper to utilize the 50% coinsurance in plan 2?
submitted by /u/etan_00
[link] [comments]Hi all, So I am currently torn between two (pretty terrible) health insurance plans and I am in desperate need of determining which of the two is less crappy. I will describe them down below: Plan 1: $40/mo Medical and Drug Deductible: $8,700 PCP Visit: $45 – Specialist visit: $115 Inpatient hospital stay: $3,000/day, no co-insurance – Inpatient services: No copay/No coinsurance – Emergency room: $2,500/day – no coinsurance – Urgent care: $60 Labs: $60 – Xray: $50% coinsurance – diagnostic imaging: 50% coinsurance Outpatient surgery: 50% coinsurance – Outpatient mental health visits: 50% coinsurance – Rehab: 50% coinsurance. VS Plan 2: $98/mo Medical and Drug Deductible: $6,950 PCP visit: $40 – Specialist visit: $100 Inpatient hospital stay: 50% coinsurance – Inpatient services: 50% coinsurance – Emergency room: 50% coinsurance – Urgent care: $50 Labs: $10 preferred, $50 non-preferred – Xray: $95 – Diagnostic imaging: 50% coinsurance Outpatient surgery: 50% coinsurance – Outpatient mental health visits: $40 – Rehab: $100 Both plans are very similar and I am having a really hard tome deciding if the extra almost $50 a month is worth it or not. The main difference is that plan 1 has more set prices (ex. $3,000 for hospital) compared to plan 2 which is based more on coinsurance. What would be cheaper in terms of care? Would it be best to pay the flat out rates of Plan 1, or cheaper to utilize the 50% coinsurance in plan 2? submitted by /u/etan_00 [link] [comments]Read Morer/HealthInsurance