Employer plans PPO vs private insurance like covered California; COBRA question
I worked at Amazon last year and maintained my insurance through cobra. Im female, about to turn 44, in generally good health, due date in July 2023. The monthly premium was $700/month. I kept on with cobra because Amazon provided fertility coverage. Now that I’m pregnant, I don’t need the same fertility benefits but I LOVED the primary insurance plan which was blue cross blue shield Premera. I also switched it this month to include dental which is an extra $27/month, so now my premium is $727/month, with a deductible of $1500. I’ll definitely be meeting $1500 with my pregnancy this year. However, I’m wondering if it’s equally beneficial to go the covered California route. I was offered a plan that is around $480/month with a $75 total deductible. That is much less expensive than my COBRA coverage. However, I’m worried that the covered CA plan will be dismal compared to my Amazon coverage. The Amazon coverages gave me access to insurance representatives for Amazon 24/7, so I could call in the middle of the night and get my questions answered. I remember using Blue Shield PPO—which I had prior to my Amazon insurance (that I now pay through COBRA), and the website was HORRIBLE. Access to agents was HORRIBLE. My experience overall was so bad that I never used the coverage. I also had to meet a high deductible which was never met. $12K/year for nothing. I’m not high income and have been offered the Blue Shield Plan but it’s private vs through employer. Higher premium (through COBRA) and higher deductible, but the insurance plan has been amazing and I’m wondering whether is in my best interest to switch to blue shield through covered ca. Any advice appreciated!
submitted by /u/Ok_Cardiologist_6924
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