My wife and I are starting new jobs soon and both are being offered health insurance through our employers. We’re having trouble figuring out which plan to go with. Both positions are remote and we currently live in Nevada but will likely be moving to Idaho next year. The plans are similar but we’re having trouble which is better. The deductible is significantly lower on the Blue Shield Plan which makes me think that might be the better choice, but any help would be appreciated.
Plan 1: Cigna Open Access Plan – PPO – $261/mo
Deductible: $1000 Individual / $2000 Family
Out of Pocket Max: $3000 Individual / $6000 Family
$25 doctor visit/ $50 specialist
10/25/50 Prescription coverage
ER Visit 300
Plan 2: Blue Shield of California Gold 80 PPO 250/25 – $241/mo
Deductible: $250 Individual / $500 Family
Out of Pocket Max: $7800/$15600
$25 doctor visit / $50 specialist
15/50/80 Prescription Coverage
ER Visit $250
submitted by /u/AccomplishedLeek4
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My wife and I are starting new jobs soon and both are being offered health insurance through our employers. We’re having trouble figuring out which plan to go with. Both positions are remote and we currently live in Nevada but will likely be moving to Idaho next year. The plans are similar but we’re having trouble which is better. The deductible is significantly lower on the Blue Shield Plan which makes me think that might be the better choice, but any help would be appreciated. Plan 1: Cigna Open Access Plan – PPO – $261/mo Deductible: $1000 Individual / $2000 Family Out of Pocket Max: $3000 Individual / $6000 Family $25 doctor visit/ $50 specialist 10/25/50 Prescription coverage ER Visit 300 Plan 2: Blue Shield of California Gold 80 PPO 250/25 – $241/mo Deductible: $250 Individual / $500 Family Out of Pocket Max: $7800/$15600 $25 doctor visit / $50 specialist 15/50/80 Prescription Coverage ER Visit $250
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