Help with Plan Selection

Some info on me. I am female in my late 20's no ongoing health concerns other than PCOS which is reason I am asking as we are trying to get pregnant but have not been trying too long. I am not on any medications for it at this time. We are going to meet with doctors in August to get more info. This is a new job and my selections will be able to be revisited for 2025. Since I only have a few months (5) to hit deductible and out of pocket maximums (not pro-rated from my research?) would it make sense to go high deductible plan? All the details from handbook are listed below.

Plan A Plan B

Employee Only (Monthly) $201.00 $62.00

Deductible $750.00 $2,500.00

Co-Insurance: 80%/20% 70%/30%

Out of Pocket Maximum $2,750.00 $6,000.00

Co-pay of $25 charged at point of service for in house office visits.(This employer is mid size clinic) Co-pay will be waived for preventative services. 100% discount for most services and procedures after copay.

Prescription Drug Co-Pay: $15/generic drug, $50/formulary brand, $90/non-formulary brand and

Specialty Drugs will include a co-insurance of 20% to a maximum of $200/prescription.

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submitted by /u/Massive_Falcon600
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