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It’s my time picking out insurance and dealing with premiums, deductibles and copays since my previous medicaid covered everything with 0 cost. Anyways, I’m picking between PPO or CDHP offered by my employer. So I have a chronic disease for life. Nothing too major, I just have to do checkups with a specialist every 6 months and taking meds everyday. These checkups will lead into getting blood work, ultrasounds, bone density scans. Long story short, I get healthcare more than the average person. With that in mind, I’m guessing I should go for the PPO plan since Annual Deductible is $500 lower and I get more coverage (90% vs 80%). It also seems like I will only have to do a small copay instead of paying 20% for pcp and specialists. The PPO plan is also only $10 more than the CDHP. So in total, including the little adds on I’m doing like FSA contribution, Dental, Vision, it comes out to $347 a month. Hope my logic is correct here. Breakdown of the 2 plans: submitted by /u/Iccarys |
It’s my time picking out insurance and dealing with premiums, deductibles and copays since my previous medicaid covered everything with 0 cost. Anyways, I’m picking between PPO or CDHP offered by my employer. So I have a chronic disease for life. Nothing too major, I just have to do checkups with a specialist every 6 months and taking meds everyday. These checkups will lead into getting blood work, ultrasounds, bone density scans. Long story short, I get healthcare more than the average person. With that in mind, I’m guessing I should go for the PPO plan since Annual Deductible is $500 lower and I get more coverage (90% vs 80%). It also seems like I will only have to do a small copay instead of paying 20% for pcp and specialists. The PPO plan is also only $10 more than the CDHP. So in total, including the little adds on I’m doing like FSA contribution, Dental, Vision, it comes out to $347 a month. Hope my logic is correct here. Breakdown of the 2 plans: https://preview.redd.it/0urwoibumb061.png?width=702&format=png&auto=webp&s=c338189004e72e9fac7f589e4c10486240317143
submitted by /u/Iccarys [link] [comments]Read Morer/HealthInsurance