PLEASE HELP! NEED TO CHOOSE A PLAN BY TOMORROW!
I need to choose a health insurance plan by tomorrow, and I need help deciding which plan is best. I have several mental health diagnoses, see a therapist and psychiatrist regularly, and take three medications daily and two medications as needed. I don't have any physical health conditions. TIA!
\**Option 1 (Tiered/Non-HSA)*
Calendar year deductible: $1,000 for "select" tier and $3,000 for "standard" tier
Calendar year out-of-pocket max: $6,500 for "select" and "standard" tiers
Copays: Varies, but $10 for most "select" tier services and $60 for most "standard" tier services
Coinsurance: Plan pays 75%
Services covered before meeting deductible: Preventitive care, immunizations, and hospice care
Cost per paycheck: $126.47
\**Option 2 (Tiered/HSA)*
Calendar year deductible: $2,000 for "select" tier and $3,500 for "standard" tier
Calendar year out-of-pocket max: $2,000 for "select" tier and $3,500 for "standard" tier
Copays: None
Coinsurance: Plan pays 100%
Services covered before meeting deductible: Preventitive care and immunizations
Cost per paycheck: $116.55
\**Option 3 (Tiered/HSA)*
Calendar year deductible: $3,500 for "select" tier and $5,500 for "standard" tier
Calendar year out-of-pocket max: $3,500 for "select" tier and $5,500 for "standard" tier
Copays: None
Coinsurance: Plan pays 100%
Services covered before meeting deductible: Preventitive care and immunizations
Cost per paycheck: $0
submitted by /u/SprinklesMaterial600
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