Hi all,
I just accepted a new job & I will be changing health insurance. I think it’s a pretty good plan—EPO plan and PPO plan.
EPO – no deductible – $20 appointment visits
PPO – $250 deductible – $20-30 appointment visits
However, I looked at the provider directory from the public website and the insurer does not have any in-network providers in my state—NC. I compared and the EPO will have a less reducible than EPO ($250 vs. PPO) and there’s a 60% coinsurance for receiving care.
I know that health insurers have contracted rates with in net-work providers. Since all of my doctors are out of network, does this mean I will pay the full price billed up to $250 (PPO plan) then pay 60% of the full price of care going forward?
Also, would you recommend I open a FSA to save a bit of money?
Thanks!!
submitted by /u/iTend2Lurk
[link] [comments]
Hi all, I just accepted a new job & I will be changing health insurance. I think it’s a pretty good plan—EPO plan and PPO plan. EPO – no deductible – $20 appointment visits PPO – $250 deductible – $20-30 appointment visits However, I looked at the provider directory from the public website and the insurer does not have any in-network providers in my state—NC. I compared and the EPO will have a less reducible than EPO ($250 vs. PPO) and there’s a 60% coinsurance for receiving care. I know that health insurers have contracted rates with in net-work providers. Since all of my doctors are out of network, does this mean I will pay the full price billed up to $250 (PPO plan) then pay 60% of the full price of care going forward? Also, would you recommend I open a FSA to save a bit of money? Thanks!!
submitted by /u/iTend2Lurk [link] [comments]Read Morer/HealthInsurance