Best Employee Insurance Plan
I recently got a full-time job and they're offering me 4 different insurance plans and I have no idea what I'm doing when it comes to picking one. I'm a trans man and am expecting to be using my insurance A LOT (specifically for my testosterone prescription), as well as mental health services for my other medication. My previous insurance was through my university, but it ends at the end of this month since I've graduated. I also at some point want to get top surgery, so I want an insurance plan that's best for that as well. I've also included the out-of-pocket limit and prescription costs.
The 4-plans they're offering me are:
Kaiser Platinum 90 HMO
OOP limit: $3,000
Prescription drug coverage: Tier 4 drug: 10% coinsurance up to $250/prescription
UnitedHealthcare Signature Gold HMO
OOP limit: $7,500
Prescription drug coverage: Tier 4 drug: 25% coinsurance up to $250 copay max per prescription
UnitedHealthcare Signature Platinum HMO
OOP limit: $3,000
Prescription drug coverage: Tier 4 drug: 25% coinsurance up to $250 copay max per prescription
UnitedHealthcare Select Plus Gold PPO
OOP limit: $8,950
Prescription drug coverage: Tier 4 drug: 25% coinsurance up to $250 copay max per prescription
The first 2 plans are at no cost to me, while the last 2 have a bit of a fee, but I don't mind paying since I will be using it frequently and believe it will be worth it. Please please help. I've heard bad things about Kaiser and heard PPO is best but I have no idea.
submitted by /u/sadgirlbry
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