Trying to get some advice about if I should switch plans during open enrollment. Looking for self only. Let me know if I missed anything.
Traditional plan: Premium: $115.50 biweekly $750 deductible/$2,250 out of pocket max PCP/Specialist $30 copay (not subject to deductible) Other services covered at 90% after deductible Pharmacy: $15/$30 (brand), max pharmacy cost $1000
High Deductible plan: Premium: $73.50 biweekly, no employer contribution to HSA, but eligible to add my own funds $2800 deductible/out of pocket max All services including office visits, pharmacy are covered at 100% after the deductible met.
I currently have the traditional plan. I hit the deductible and will probably end the year with ~$1300-1500 toward the out of pocket max. Most of this is from getting two injections (not sure if I will get again) and physical therapy (which I plan of tapering off before the end of the year). I see primary care for annual wellness (both plans cover 100%). I also see specialist 2-4 times per year…each visit for that is around $200. I get a generic drug every month. I also get some occasional generics maybe 3-6 times per year.
Networks are the same BCBS PPO and I only use in network services.
Not sure if the HD plan makes sense because I am one of those middle of the road spenders. I am hoping to spend less in the coming year by not doing PT and maybe not getting the injections. Specialists are derm and neurology.
submitted by /u/Karm0112
[link] [comments]Trying to get some advice about if I should switch plans during open enrollment. Looking for self only. Let me know if I missed anything. Traditional plan: Premium: $115.50 biweekly $750 deductible/$2,250 out of pocket max PCP/Specialist $30 copay (not subject to deductible) Other services covered at 90% after deductible Pharmacy: $15/$30 (brand), max pharmacy cost $1000 High Deductible plan: Premium: $73.50 biweekly, no employer contribution to HSA, but eligible to add my own funds $2800 deductible/out of pocket max All services including office visits, pharmacy are covered at 100% after the deductible met. I currently have the traditional plan. I hit the deductible and will probably end the year with ~$1300-1500 toward the out of pocket max. Most of this is from getting two injections (not sure if I will get again) and physical therapy (which I plan of tapering off before the end of the year). I see primary care for annual wellness (both plans cover 100%). I also see specialist 2-4 times per year…each visit for that is around $200. I get a generic drug every month. I also get some occasional generics maybe 3-6 times per year. Networks are the same BCBS PPO and I only use in network services. Not sure if the HD plan makes sense because I am one of those middle of the road spenders. I am hoping to spend less in the coming year by not doing PT and maybe not getting the injections. Specialists are derm and neurology. submitted by /u/Karm0112 [link] [comments]Read Morer/HealthInsurance