Cigna Core HSA EPO — risky or worth it?
Has anyone here been on a Cigna high deductible EPO plan? I’m curious what you’ve ended up paying for out of pocket if your typical doctor needs only include routine visits to primary care, gynecologist, etc. I currently have a zero-deductible EPO and a really robust hospital system in my town so I don’t really care about having out of network benefits, but I am worried about potentially dropping a shit load of money on things I don’t even know I’ll be paying for that I’m not used to paying for on my current plan. (Generally I only pay a $50 copay when I go to the doctor for anything).
Are you paying a lot out of pocket just to see routine doctors? Is it worth it to have the HSA?
Right now I’m looking at a plan that breaks down like this:
Premium – $248
Deductible – $5000
Coinsurance – 100%
Out of pocket max = $6350
Office visit – primary care = 100%
Office visit – specialist = 100%
Labs = “deductible”
ER = 100%
Urgent Care = Deductible
