Need help with 2 plans
For context, it is just my wife and I. My wife is a Type 1 diabetic buy we are otherwise both fit and healthy.
She has a insulin pump and requires monthly refills of dexcom, Tslim, and insulin.
These are the 2 plans offered.
Plan 1:
PPO
$4,000 deductible
$250 prescription deductible
$17,400 out of pocket max
Covered in full prevention care
$40 Co pay for primary care, specialty office, urgent care, speech and occupational therapy
30% coinsurance after $100 copay for emergency room.
Inpatient hospitalization 30% coinsurance
Diagnostics 30$ coinsurance
Monthly premium $ 600
Plan 2
$12k deductible
$250 prescription deductible
$17,400 out of pocket max
Prevention care Covered in full
$30 copay for primary, specialty, urgent care, speech therapy
Emergency room 30% Co insurance with $100 copay
Diagnostics 30% Coinsurance
Inpatient hospitalization 30% Coinsurance
Monthly premium – $380
Which would you choose and why? We are planning on having a baby here in about 1 year or two.
Thanks for your help!
submitted by /u/AS_Protocol_BGP
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