I need to decide between two amazing employer plans during open enrollment this year:
Plan medium:
18 bucks a paycheck, 90% coinsurance with 400 dollar deductible.
Coinsurance in network: 90%
Out of network: 70%
Plan premium:
99 bucks a paycheck, 100% coinsurance with 400 dollar deductible.
Coinsurance in network: 100%
Out of network: 80%
I have had some stomach issues lately and probably need to see a doctor a few times to resolve this year. Other than that generally healthy. Wondering if I should just pay the extra and be fully covered or just go with the medium which is what I have currently and still covers a fair amount of costs in my experience.
Basically is jumping up to premium worth it for me? I have no dependents. Seems like a huge jump in cost and not sure it’s worth it. I’m an idiot with this insurance stuff so thanks for humoring me!
submitted by /u/streamerjunkie_0909
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I need to decide between two amazing employer plans during open enrollment this year: Plan medium: 18 bucks a paycheck, 90% coinsurance with 400 dollar deductible. Coinsurance in network: 90% Out of network: 70% Plan premium: 99 bucks a paycheck, 100% coinsurance with 400 dollar deductible. Coinsurance in network: 100% Out of network: 80% I have had some stomach issues lately and probably need to see a doctor a few times to resolve this year. Other than that generally healthy. Wondering if I should just pay the extra and be fully covered or just go with the medium which is what I have currently and still covers a fair amount of costs in my experience. Basically is jumping up to premium worth it for me? I have no dependents. Seems like a huge jump in cost and not sure it’s worth it. I’m an idiot with this insurance stuff so thanks for humoring me!
submitted by /u/streamerjunkie_0909 [link] [comments]Read Morer/HealthInsurance