Help deciding between plans – HMO vs. PPO
Hi all! I need to select an insurance plan through my new employer and am hoping for some advice. With my former employer, I was on BCBS HMO without problem. All of my current providers would be in-network on the new HMO plan.
Some considerations: I'm generally healthy, but do see specialists (current ones are in-network). Possible pregnancy in the year ahead and not sure how that would change things. Perhaps most important consideration: partner has received recent medical diagnosis that will likely be terminal and require changing care (though timeline is unclear). Partner currently has own insurance through employer, but I'm looking ahead with "what ifs" in case they would need to come on my insurance/go to a specialist out of the region and wondering whether a PPO would be better even if more expensive, just in case?
Options:
BCBS New England HMO:
Monthly premium: $80
Deductible: $1,000
OOP: $3,000
Co-pays: $30 (generally) *only covers OON in case of emergency
BCBS PPO Preferred 2000:
Monthly premium: $95
Deductible: $2,000
OOP: $4,000
Co-pays: $30 (generally); OON: 20% after deductible
BCBS PPO Preferred 1000:
Monthly premium: $120
Deductible: $1,000
OOP: $4,000
Co-pays: $30 (generally); OON: 20% after deductible
submitted by /u/Worldly_Emu2309
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