Can’t decide which health insurance to get…
I’m getting health insurance for the first time in my life (24M) and it’s been very confusing, but I’ve narrowed it down to 2 plans.
Blue Cross Premier PPO Bronze
Blue Cross Local HMO Bronze Extra
Premium
$318
$230
Deductible
$8,000
Individual total
(health & drug combined)
$7,500
Individual total
(health & drug combined)
Out of pocket max
$8,000 Individual total
$9,400 Individual total
Primary care doctor visit
In Network: No charge after deductible
Out of Network: No charge after deductible
In Network: $50 per visit from day 1
Out of Network: Benefit not covered
Specialist visit
In Network: No charge after deductible
Out of Network: No charge after deductible
In Network: $100 per visit from day 1
Out of Network: Benefit not covered
X-rays and diagnostic imaging
In Network: No charge after deductible
Out of Network: No charge after deductible
In Network: 50% coinsurance after deductible
Out of Network: Benefit not covered
Blue Cross Local HMO Bronze Extra seems better to me and is cheaper, but you are locked into their network. Is it worth is to go PPO over HMO? I don’t currently have a primary doctor so I’m not sure which to pick here.
