What do I do? New job

I’m 23. Female. I currently make $67,000 but will be making ~$93,600 ($45 an hour) in central florida.

My current health insurance plan is $1500/$3000 deductible with 80%/70% coverage after respectively. $3000 out of pocket max for in network (I’m not sure how much it is out of network). I’ve hit my deductibles for the year and I’m very close to hitting my out of pocket max for in-network.

My new plan is HDP with a $2,800/$5700 and 70%/50% coverage after or $6550/$13,100 with 100%/100% coverage after.

They’re both in the same network.

The issue comes up since I go to a mental health specialist who’s out-of-network. There are currently no other specialists for what I need who are in my area and accepting new patients.

I also pay $120 a month for medication (after the manufacturer coupon) before the deductible. There are no generic brands for the medication. It is covered by my insurance though.

The way I see it is I only have a few options.

Go with COBRA and pay $500 a month in premiums to keep my current coverage, but pay $0 for anything in-network, and $144 a month for my specialist for the rest of the year.

Go with the market place. I found a quote for $371 a month with $0 deductible and $8000 out of pocket. My specialist is in-network with them so I’d pay $25 each visit. My medication is covered as well. It’d be $100 a month but with the manufacturer’s coupon it’d be $30 or it would be 50% after the deductible – I’m not sure which since I don’t know if it’s a preferred brand drug with them or not. But it’s an EPO plan and my current plan is PPO.

Go with my new employer’s plan and keep paying what I’ve been paying. $100 a month for premiums, $120 a month for medication, $480 a month for the specialist. Issue with that is I’d likely never hit my deductibles so I’d be paying that for probably as long as I need it. It also doesn’t kick in until after 60 days so I’d have to choose one of the other options in the mean time. I’ve also already maxed out my HSA for the year.

What do I do? Are there other options? It seems like no matter what I do I’ll be paying >$500 a month for forever. I know I can try appealing to my insurance to get in-network coverage for my specialist, but I wouldn’t be surprised if I was denied. I make a lot of money but it’s still a huge hit to me to be paying so much. Help ๐Ÿ™

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I’m 23. Female. I currently make $67,000 but will be making ~$93,600 ($45 an hour) in central florida. … My current health insurance plan is $1500/$3000 deductible with 80%/70% coverage after respectively. $3000 out of pocket max for in network (I’m not sure how much it is out of network). I’ve hit my deductibles for the year and I’m very close to hitting my out of pocket max for in-network. My new plan is HDP with a $2,800/$5700 and 70%/50% coverage after or $6550/$13,100 with 100%/100% coverage after. They’re both in the same network. … The issue comes up since I go to a mental health specialist who’s out-of-network. There are currently no other specialists for what I need who are in my area and accepting new patients. I also pay $120 a month for medication (after the manufacturer coupon) before the deductible. There are no generic brands for the medication. It is covered by my insurance though. … The way I see it is I only have a few options.
Go with COBRA and pay $500 a month in premiums to keep my current coverage, but pay $0 for anything in-network, and $144 a month for my specialist for the rest of the year. Go with the market place. I found a quote for $371 a month with $0 deductible and $8000 out of pocket. My specialist is in-network with them so I’d pay $25 each visit. My medication is covered as well. It’d be $100 a month but with the manufacturer’s coupon it’d be $30 or it would be 50% after the deductible – I’m not sure which since I don’t know if it’s a preferred brand drug with them or not. But it’s an EPO plan and my current plan is PPO. Go with my new employer’s plan and keep paying what I’ve been paying. $100 a month for premiums, $120 a month for medication, $480 a month for the specialist. Issue with that is I’d likely never hit my deductibles so I’d be paying that for probably as long as I need it. It also doesn’t kick in until after 60 days so I’d have to choose one of the other options in the mean time. I’ve also already maxed out my HSA for the year.
… What do I do? Are there other options? It seems like no matter what I do I’ll be paying >$500 a month for forever. I know I can try appealing to my insurance to get in-network coverage for my specialist, but I wouldn’t be surprised if I was denied. I make a lot of money but it’s still a huge hit to me to be paying so much. Help ๐Ÿ™
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