Is this good coverage?

I'm about to take a very low paying job because it offers health insurance on day 1. I am having some symptoms that indicate rheumatoid arthritis or some other autoimmune condition so I would like to get the ball rolling on treatment. Does this look like good coverage? I only included in-network (Cigna) providers because out of network is too expensive:

Deductible Per Plan Year $175

Out-of-Pocket Maximum (Includes Deductible) $2,750

Lifetime Maximum Unlimit

Preventive (Routine) Care 100% (no deductible)

Prescription Drugs (Express Scripts Value List)*80%

Telehealth (MDLive; includes Behavioral Health) (no deductible) $5 copay

Office Visits Primary Care $10

Professional Services (Surgery, Lab & X-Ray) 80%

Urgent Care $20 co-pay, then copay

Ambulance 80%

Emergency Room $100 co-pay, then c

Hospital (Inpatient pre-authorization required)* 80%

Mental Health Inpatient 80% Office Visit $10 copay

Outpatient Rehabilitation – 20 visits per Plan Year (Physical, Speech, Occupational, Cardiac therapies and Chiropractic) 80%

Employee Assistance Program (EAP) 24/7 telephonic support, 3 free fad

AD&D $10,00 *Cigna requires pre-authorization for all inpatient hospital, some outpatient procedures Monthly Rate (Paid by sponsoring program) $453.2

Thanks for any help.

submitted by /u/Icy_Painting4915
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