Aetna or BCBS HMO in Texas??

Hi everyone,

I'm trying to pick between plans and I'm getting very confused. I need access to mental health services mostly (bi/weekly basis) and maybe a specialist or two a few times a year (dermatologist and others). I am also exploring other mental health services that aren't traditional talk therapy, so I need to make sure those visits are covered/approved.

Any opinions or advice? Thanks!

|| || |Silver 1: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7RemoveEnrollSaved|MyBlue Health Silver℠ 807RemoveEnrollSaved| |Highlights||| |Monthly premium|$35.66Including a $428.00 tax creditWas $463.66|$0.00Including a $428.00 tax creditWas $425.10| |Deductible|$0Individual total(health & drug combined)Get details: Jump to costs for medical care and drugs|$0Individual total(health & drug combined)Get details: Jump to costs for medical care and drugs| |Out-of-pocket maximum|$1,545 Individual total|$1,800 Individual total| |Estimated total yearly costs|$579Individual totalBased on your predicted use of medical services|$260Individual totalBased on your predicted use of medical services| |Plan metal level|Silver[Extra savings]()|Silver[Extra savings]()| |Plan type|HMO|HMO| |Plan ID|58840TX0110019|33602TX0461177|

Deductible In Network: $0 Individual total In Network: $0 Individual total Out-of-pocket maximum $1,545 Individual total $1,800 Individual total Primary care doctor visit In Network: No charge per visit from day 1 Out of Network: Benefit not covered In Network: No charge Out of Network: Benefit not covered Specialist visit In Network: $5 per visit from day 1 Out of Network: Benefit not covered In Network: $10 per visit from day 1 Out of Network: Benefit not covered X-rays and diagnostic imaging In Network: 20% Out of Network: Benefit not covered View limits and exclusions: X-rays and diagnostic imagingIn Network: 25% Out of Network: Benefit not covered Laboratory outpatient and professional services In Network: No charge Out of Network: Benefit not covered View limits and exclusionsIn Network: 25% Out of Network: Benefit not covered Generic drugs View limits and exclusions: Generic drugsIn Network: No charge Out of Network: Benefit not covered View limits and exclusions: Generic drugsIn Network: No charge Out of Network: Benefit not covered Preferred brand drugs View limits and exclusions: Preferred brand drugsIn Network: $20 Out of Network: Benefit not covered View limits and exclusions: Preferred brand drugsIn Network: $15 Out of Network: Benefit not covered Non-preferred brand drugs View limits and exclusions: Non-preferred brand drugsIn Network: 40% Out of Network: Benefit not covered View limits and exclusions: Non-preferred brand drugsIn Network: $50 Out of Network: Benefit not covered Specialty drugs View limits and exclusions: Specialty drugsIn Network: 50% Out of Network: Benefit not covered View limits and exclusionsIn Network: $150 Out of Network: Benefit not covered Urgent care centers or facilities In Network: $5 per visit from day 1 Out of Network: Benefit not covered In Network: $5 per visit from day 1 Out of Network: Benefit not covered Emergency room care View limits and exclusions: Emergency room careIn Network: 20% Out of Network: 20% In Network: 25% Out of Network: 25% Mental/behavioral health outpatient services In Network: No charge per visit from day 1 Out of Network: Benefit not covered In Network: No charge Out of Network: Benefit not covered Mental/behavioral health inpatient services In Network: 20% Out of Network: Benefit not covered In Network: 25% Out of Network: Benefit not covered submitted by /u/lilchoti
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