How to know what insurance I’m getting with a new job?
I might be changing jobs soon, and with that I'm checking to see whether their insurance is a downgrade from what I currently have. I take a prescription that costs $20K/month which is now 100% covered by insurance. I'm trying to understand whether a 'crappy' insurance would cover part of it, or is it standard that insurance covers 100% of a prescription? Is it standard practice to ask for the full detailed plan before accepting an offer or is it expected that you just hope for the best with a new job?
So far, the only thing they've told me is that they offer Aetna EPO 45 Northeast with a 70/30 split. This basically says nothing, since I can't find any details for this particular plan, and 70/30 seems pretty lower considering it's a well funded small software company.
What would be a good way to make sure that I'm not suddenly paying hundreds/thousands to fill this prescription versus the $5 I spend now?
submitted by /u/Cold_Nobody_9685
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