Employee Healthcare Questions

Hi,

Looking at a job in MN, US (overseas resident) and I don't know what would be better or really what any of this means. The employer has given two options listed below:

The more expensive plan provides first dollar coverage for most services received at [Employer Hospitals] and low copayments for other in–network providers. Benefit coverage is the highest when you use [Employer Hospitals] providers and facilities. In addition, the Options Plan also offers the ability to access thousands of providers and facilities that are part of the Medica Choice Network. The lowest level of benefits is provided for services received outside the Medica Choice Network.

The cheaper plan is a no deductible coverage plan with low or no copays for [Employer Hospitals] in-network services. The plan also offers access to providers and facilities that are part of the Medica Choice Network, but with a high deductible and low coinsurance for most services. The lowest level of benefits is provided for services received outside the Medica Choice Network.

submitted by /u/Arksy
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