Hello everyone,
I am a 21 year old that is about the graduate. I recently accepted a job offer for a healthcare quality organization. They provided me their insurance plans and I would say I am relevantly healthy. The only healthcare service I need right now is therapy, and possibly receive antidepressants or anti-anxiety pills. I’m not sure which plan is right for me. I do not want to pay too much for a plan I won’t utilize.
Zip Code: 22151
Annual Salary: $58,000
I’m not familiar with insurance. I do understand deductibles and co-pay.
Kaiser HMO (In-Network Only)
Bi-Weekly Payroll Deductions: $25.33
Deductible: $0
Coinsurance: 100%
Out-of-pocket Maximum: $3,500/$9,400
Office Visits: (Primary) $15/ (Specialist) $25 Copay
Preventative/Hospitalization: Covered in full
Drugs: Generic ($10), Brand ($20), Brand Non-Formulary ($35) (Participation Pharmacy is double this)
Cigna 80/60 Plan (In Network)
Bi-Weekly Payroll Deductions: $48.73
Deductible: $500
Coinsurance: 80%
Out-of-pocket Maximum: $3,500/$7,000
Office Visits: (Primary) $25/ (Specialist) $50 Copay
Preventative: Covered in full
Hospitalization: Deductible then 20%
Drugs: $10, Generic Brand ($30 copay), Non-Formulary ($50 copay)
Cigna 90/70 Plan (In Network)
Bi-Weekly Payroll Deductions: $85.36
Deductible: $250
Coinsurance: 90%
Out-of-pocket Maximum: $3,000/$6,000
Office Visits: (Primary) $15/ (Specialist) $25 Copay
Preventative: Covered in full
Hospitalization: Deductible then 10%
Drugs: $10, Generic Brand ($25 copay), Non-Formulary ($45 copay)
Cigna 100/80 Plan (In Network)
Bi-Weekly Payroll Deductions: $119.08
Deductible: $0
Coinsurance: 100%
Out-of-pocket Maximum: $2,000/$4,000
Office Visits: (Primary) $15/ (Specialist) $25 Copay
Preventative/Hospitalization: Covered in full
Drugs: $10, Generic Brand ($25 copay), Non-Formulary ($35 copay)
Thank you in advance! I’m young and I’ve never educated myself in insurance plans and would love advice and guidance!
submitted by /u/jinnychon
[link] [comments]Hello everyone, I am a 21 year old that is about the graduate. I recently accepted a job offer for a healthcare quality organization. They provided me their insurance plans and I would say I am relevantly healthy. The only healthcare service I need right now is therapy, and possibly receive antidepressants or anti-anxiety pills. I’m not sure which plan is right for me. I do not want to pay too much for a plan I won’t utilize. Zip Code: 22151 Annual Salary: $58,000 I’m not familiar with insurance. I do understand deductibles and co-pay. Kaiser HMO (In-Network Only) Bi-Weekly Payroll Deductions: $25.33 Deductible: $0 Coinsurance: 100% Out-of-pocket Maximum: $3,500/$9,400 Office Visits: (Primary) $15/ (Specialist) $25 Copay Preventative/Hospitalization: Covered in full Drugs: Generic ($10), Brand ($20), Brand Non-Formulary ($35) (Participation Pharmacy is double this) Cigna 80/60 Plan (In Network) Bi-Weekly Payroll Deductions: $48.73 Deductible: $500 Coinsurance: 80% Out-of-pocket Maximum: $3,500/$7,000 Office Visits: (Primary) $25/ (Specialist) $50 Copay Preventative: Covered in full Hospitalization: Deductible then 20% Drugs: $10, Generic Brand ($30 copay), Non-Formulary ($50 copay) Cigna 90/70 Plan (In Network) Bi-Weekly Payroll Deductions: $85.36 Deductible: $250 Coinsurance: 90% Out-of-pocket Maximum: $3,000/$6,000 Office Visits: (Primary) $15/ (Specialist) $25 Copay Preventative: Covered in full Hospitalization: Deductible then 10% Drugs: $10, Generic Brand ($25 copay), Non-Formulary ($45 copay) Cigna 100/80 Plan (In Network) Bi-Weekly Payroll Deductions: $119.08 Deductible: $0 Coinsurance: 100% Out-of-pocket Maximum: $2,000/$4,000 Office Visits: (Primary) $15/ (Specialist) $25 Copay Preventative/Hospitalization: Covered in full Drugs: $10, Generic Brand ($25 copay), Non-Formulary ($35 copay) Thank you in advance! I’m young and I’ve never educated myself in insurance plans and would love advice and guidance! submitted by /u/jinnychon [link] [comments]Read Morer/HealthInsurance