Really not sure what to do here. It’s myself, husband, and 1 year old daughter.
Omnia gold: $190 per adult and $100 per child premium (480/month) $20 GP, $40 specialist, 80/20 coinsurance, $1000 deductible per person with $5500 per person out of pocket max. Would also have to pay $2100 for a month of cobra until benefits kick in
PPO: $388/month for family, 90/10 coinsurance , $200 deductible with $2000 out of pocket max for the whole family, but NO wellness visits covered (I guess it’s like some sort of old dinosaur plan from the mad men era)
I’m leaning towards the PPO since it seems much more cost effective but the no wellness visits really concerns me. Any opinions??
submitted by /u/ktrv927
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Really not sure what to do here. It’s myself, husband, and 1 year old daughter. Omnia gold: $190 per adult and $100 per child premium (480/month) $20 GP, $40 specialist, 80/20 coinsurance, $1000 deductible per person with $5500 per person out of pocket max. Would also have to pay $2100 for a month of cobra until benefits kick in PPO: $388/month for family, 90/10 coinsurance , $200 deductible with $2000 out of pocket max for the whole family, but NO wellness visits covered (I guess it’s like some sort of old dinosaur plan from the mad men era) I’m leaning towards the PPO since it seems much more cost effective but the no wellness visits really concerns me. Any opinions??
submitted by /u/ktrv927 [link] [comments]Read Morer/HealthInsurance