Insurance plan advice

I was offered a new job and need some advice on whether or not the insurance is better than my current plan.

$128 a month $3000 deductable $0 OOP max

There's a chart that says "All copayment and coinsurance costs shown in this chart are after your overall deductible has been met, if a deductible applies."

So I have a thyroid condition and get bloodwork every 3 months and routine ultrasounds. Testing is no charge after deductible. Does this mean il pay 100% until I hit $3000? Hospital says $100 copay/visit-Deductible does not apply. Can someone tell me what this means?

My current plan costs about the same and deductible is only $1500 but OOP is $5500, but testing is covered. Hospital is 100$ copay then 20% coinsurance. I just had an ER visit that got me a $1600 bill. I'm assuming with the new insurance I would of been stuck for $3000.

I feel like the no out of pocket is nice but a 3000$ is awful. Everyone who works there is saying the plan is great and so generous but idk if I see that.

submitted by /u/kaysnd77
[comments]