Need help: Which Aetna health insurance plan should I choose?
I'm starting a new role and need help figuring out the best insurance option for me and my husband. They are all Aetna, as it's the option insurance my company provides. Options are detailed below:
Option 1: Aetna PPO 750
Plan type: PPO (Although plan summary shows it as POS)
Requires referral: Summary says no.
Cost per month: $196.25
Deductible: In-network: Single $750 | Family $1500, Out-of-network: Single $2,250 | Family $4,500
Coinsurance: In-network: 10%, Out-of-network: 50%
Out-of-pocket: In-network: Single 3,000 | Family $6,000, Out-of-network: Single $8,000 | Family $16,000
Primary care visit: $25
Specialist visit: $50
Urgent care visit: $85
Emergency room visit: $350
Option 2: Aetna EPO 0
Plan type: EPO
Cost per month: $208.25
Deductible: In-network: Single $0 | Family $0, Out-of-network: Not covered
Coinsurance: In-network: 0%, Out-of-network: Not covered
Out-of-pocket: In-network: Single 3,000 | Family $6,000, Out-of-network: Not covered
Primary care visit: $20
Specialist visit: $40
Urgent care visit: $85
Emergency room visit: $350
Option 3: Aetna PPO 300
Plan type: PPO (Although plan summary shows it as POS)
Requires referral: Summary says no.
Cost per month: $311
Deductible: In-network: Single $300 | Family $900, Out-of-network: Single $1,200 | Family $3,600
Coinsurance: In-network: 10%, Out-of-network: 50%
Out-of-pocket: In-network: Single 3,000 | Family $6,000, Out-of-network: Single $6,000 | Family $18,000
Primary care visit: $20
Specialist visit: $40
Urgent care visit: $85
Emergency room visit: $350
Any insights are greatly appreciated.
submitted by /u/Kfernandz
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