Can you help me understand the main differences between these 3 plans?
I have the option to stick with my Cobra plan ($1500) for next 18 months or get an HMO off the exchange.
I think I am only going to make 100k this year if I remain consulting so it seems like HMO is slightly cheaper. I could possibly make more but that helps pay the HMO.
No referrals required on either HMO. It looks to me like Caresource is an interesting option bc it gives you the option to get out of network care at an urgent care for $40 copy plus balance billing and vision. Otherwise, the other option MedMutual appears comparable and is a local insurance company known for good customer service and a slightly wider network (a few extra practice groups beyond the usual hospitals).
Im going to post links below in the comments to all info because my post keeps getting rejected and im not sure why.
I have never had to make a decision like this so im not sure what to do. I dont know what all the little exceptions are. Any help would be greatly appreciated.
submitted by /u/CLEredditor
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