I’m in my mid-30s. Generally healthy, but likely to be diagnosed with hypertension soon. Besides that no serious comorbidity as of yet.
In in the NY area and selecting an insurance plan is a nightmare.
I was stuck trying to decide between 2 silver plans and of course trying to save as much as possible – $600 is really pushing it.
Plan A – $571 – High deductible of $4500/Out of Pocket max of 8700. Basically the plan includes no deductible visits to PCP, Specialists, Urgent and lab work covered plus some other benefits. Everything else 40% coinsurance after deductible which is quite high to me.
Plan B – $636 – Slightly lower deductible of 3500 and max out of pocket $7000. Only PCP visits and lab work has a small copay with no deductible requirement. After you hit the deductible, most services have a fixed copay which I assume is much better than 40% coinsurance anywhere.
So in plan A .. should I just need routine care all year I would save a decent amount of money. But anything major and I’m kinda fucked and almost seems like i’ll hit the out of pocket max easily.
Plan B – If I need more than PCP visits and basic wellness stuff, then pay full price for everything until I hit $3500. But if anything major happens, I can start to see cost savings.
So I essentially just had to make a best guess on which was more likely my situation and went with Plan A. But it’s so nerve wracking. Especially with Covid and everything.
What’s your strategy/mindset going into choosing a plan? Do you plan for the worst and build around that? (assuming you are able to afford the plan)
submitted by /u/flushinged
[link] [comments]I’m in my mid-30s. Generally healthy, but likely to be diagnosed with hypertension soon. Besides that no serious comorbidity as of yet. In in the NY area and selecting an insurance plan is a nightmare. I was stuck trying to decide between 2 silver plans and of course trying to save as much as possible – $600 is really pushing it. Plan A – $571 – High deductible of $4500/Out of Pocket max of 8700. Basically the plan includes no deductible visits to PCP, Specialists, Urgent and lab work covered plus some other benefits. Everything else 40% coinsurance after deductible which is quite high to me. Plan B – $636 – Slightly lower deductible of 3500 and max out of pocket $7000. Only PCP visits and lab work has a small copay with no deductible requirement. After you hit the deductible, most services have a fixed copay which I assume is much better than 40% coinsurance anywhere. So in plan A .. should I just need routine care all year I would save a decent amount of money. But anything major and I’m kinda fucked and almost seems like i’ll hit the out of pocket max easily. Plan B – If I need more than PCP visits and basic wellness stuff, then pay full price for everything until I hit $3500. But if anything major happens, I can start to see cost savings. So I essentially just had to make a best guess on which was more likely my situation and went with Plan A. But it’s so nerve wracking. Especially with Covid and everything. What’s your strategy/mindset going into choosing a plan? Do you plan for the worst and build around that? (assuming you are able to afford the plan) submitted by /u/flushinged [link] [comments]Read Morer/HealthInsurance