$0 EPO through New Employer or Try to Find Private PPO
Hello, I am not sure if this is dumb or even possible. Insurance is very confusing to me and I am really trying to avoid getting scammed though these underwriters.
So, I currently have UMR PPO through my employer. My premium is $408 per month. As far as I can tell it’s very good. The network of providers is very large and is pretty much accepted everywhere. I have a $0 deductible, $15 copay for PCP and Specialists. Out patient diagnostics are $0 for me. Hospital stays and surgery are $0. I pay $10 for generic prescriptions. Mental health also only has a $15 copay.
Starting Jan 2nd I will be with a new employer. I have two Aetna EPO options. Both have a $0 premium
Option 1:
Deductible 2800
Prescription Drug Deductible: 200
Max out of pocket: 9100
PCP Copay: 50
Specialist: 75
Preventative Care: 0
Lab bloodwork: $75
Lab scans: 40% coinsurance
Generic Drugs: $15
Hospital Stay/Surgery: 40% coinsurance
Mental health: $50
Option 2:
Deductible 5000
Services covered before deductible: preventative care only
Max out of pocket: 5400
PCP Coinsurace: 50%
Specialist: 50%
Preventative Care: 0
Lab bloodwork: 50%
Lab scans: 50% coinsurance
Generic Drugs: $15
Hospital Stay/Surgery: 50% coinsurance
Mental Health: 50%
To give some additional context, I likely will need MRI scans once every 2 years. I’ve also had a number of conditions the past couple of years that required what would have other wise been costly healthcare. Endoscopy, couple of MRIs and CT Scans, Vasectomy all of which I paid $0 for. I currently have 3 prescriptions which costs me $30/month.
Is it possible to find anything similar to what I currently have on the private market without paying a ridiculous premium?
TIA and sorry if this is stupid