Have tried searching around, and haven’t really seen a specific comparison between these two plan types, both through Aetna.
I’ve narrowed my employer healthcare plans down to these two plans. My old employer had PPO coverage through UnitedHealthcare that was pretty decent, so I’m tempted to go with POS vs the EPO, so that I still have the plan paying some of the costs if I have to go out-of-network for something. (And I’m pretty sure POS plans generally have a larger in-network than EPO plans do, is that right?)
Both types are 100% covered by my employer, so monthly costs aren’t an issue. The deductible for each plan type are also more or less the same (they are a thousand dollars difference, but thankfully I’m privileged salary-wise where that isn’t really an issue), so not really a consideration when choosing between the two. (Yes, if I get married or have kids, the POS monthly cost will be twice as high as the EPO monthly costs, but it’s still an acceptable range, so I’m not really worried about those future monthly costs).
I’m a reasonably healthy younger person, so I see a lot of sites recommending the EPO w/ HDHP plans since I don’t need to go to the doctor as often. But the idea of not having ANY out-of-network coverage terrifies me, so I’d kind rather have that extra security blanket.
Just curious what some of you guys think! Thanks!
Edit: If knowing the exact plan types helps, here is what they both are:
Aetna Open Access Managed Choice – MC OA 3000/70% (POS plan)
Aetna Open Access Elect Choice – EPO HDHP 2000/100 (TIF) (EPO plan w/ HDHP and HSA account, or whatever the right terminology is)
submitted by /u/marcuscadams
[link] [comments]Have tried searching around, and haven’t really seen a specific comparison between these two plan types, both through Aetna. I’ve narrowed my employer healthcare plans down to these two plans. My old employer had PPO coverage through UnitedHealthcare that was pretty decent, so I’m tempted to go with POS vs the EPO, so that I still have the plan paying some of the costs if I have to go out-of-network for something. (And I’m pretty sure POS plans generally have a larger in-network than EPO plans do, is that right?) Both types are 100% covered by my employer, so monthly costs aren’t an issue. The deductible for each plan type are also more or less the same (they are a thousand dollars difference, but thankfully I’m privileged salary-wise where that isn’t really an issue), so not really a consideration when choosing between the two. (Yes, if I get married or have kids, the POS monthly cost will be twice as high as the EPO monthly costs, but it’s still an acceptable range, so I’m not really worried about those future monthly costs). I’m a reasonably healthy younger person, so I see a lot of sites recommending the EPO w/ HDHP plans since I don’t need to go to the doctor as often. But the idea of not having ANY out-of-network coverage terrifies me, so I’d kind rather have that extra security blanket. Just curious what some of you guys think! Thanks! Edit: If knowing the exact plan types helps, here is what they both are: Aetna Open Access Managed Choice – MC OA 3000/70% (POS plan) Aetna Open Access Elect Choice – EPO HDHP 2000/100 (TIF) (EPO plan w/ HDHP and HSA account, or whatever the right terminology is) submitted by /u/marcuscadams [link] [comments]Read Morer/HealthInsurance