My husband got a new job and none of the plans have copays for visits. Can someone confirm my assumptions?

Preventive is covered 100% regardless of if we've met our deductible.

There are 3 levels of plans, all of which have us pay 20% coinsurance once the deductible is met. The primary difference is that Plan A has a $600 deductible per person, Plan B has a $1,200 deductible per person and Plan C is $2300 deductible per person with HSA eligibility.

The most expensive plan (Plan A) has an out of pocket max of $2,000pp.

I've never had a plan that doesn't have copays for standard office visits. Do these plans tend to be more expensive? And am I correct in understanding that we pay out of pocket until we hit $600 for one person, and then after that we pay 20% of the bill for that person until we hit $2,000 and then after that it's 100% covered (assuming in-network) for that person? It's just the two of us.

My company offers a standard plan with copays. It is slightly more expensive per pay period (about $30 more) and the deductible is higher for the lowest deductible plan ($750pp vs. $600) is it worth considering joining my plan for more cost certainty? Historically most of our visits are copays only with our old plan.

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submitted by /u/goldphishe
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