Need help picking a plan at new job
Hi guys, this is my first job out of college and I have no idea what I'm doing with insurance. For context I am 26 with asthma and ADHD. Asthma isn't to the level where I have ever needed to be hospitalized, but I am supposed to be on a maintenance inhaler. Otherwise a pretty health conscious person.
Plan 1: $76/mo – Deductible: $500 – Calendar year out of pocket max: $3000 – Primary visits/virtual visits: 25 copay/no charge – Specialist visit: $50 copay – Urgent Care/ER: $100 copay / $350 copay – Hospitalization inpatient/outpatient: Deductible then 20% – Prescription copay: $15/Sp $15/ $45 /Sp $150/ $65/Sp $500 – Diagnostic scan/labs: Designated provider lab -$0; Imaging – 20% after deductible
Plan 2: $0/mo – Deductible: $1500 – Calendar year out of pocket max: $4500 – Primary visits/virtual visits: 25 copay/no charge – Specialist visit: $50 copay – Urgent Care/ER: $75 copay / $250 copay – Hospitalization inpatient/outpatient: Deductible then 20% – Prescription copay: $15/Sp $15/ $45 /Sp $150/ $65/Sp $500 – Diagnostic scan/labs: Designated provider lab -$0; Imaging – 20% after deductible
Plan 3: $0/mo – Deductible: $2000 – Calendar year out of pocket max: $4000 – Primary visits/virtual visits: 25 copay/no charge – Specialist visit: $50 copay – Urgent Care/ER: $75 copay / $250 copay – Hospitalization inpatient/outpatient: Deductible then 0% – Prescription copay: $15/Sp $15/ $45 /Sp $150/ $65/Sp $500/Not applicable – Diagnostic scan/labs: Designated provider lab -$0; Imaging – 0% after deductible
HSA Plan 4: $0/mo – Deductible: $5500 – Calendar year out of pocket max: $6450 – Primary visits/virtual visits: deductible then 0% – Specialist visit: deductible then 0% – Urgent Care/ER: deductible then 0% – Hospitalization inpatient/outpatient: Deductible then 0% – Prescription copay: Deductible then $10/Sp $10ad/$35Sp $150/$60/Sp$500 – Diagnostic scan/labs: Designated provider lab -$0; Imaging – 0% after deductible – Company HSA contribution: $1800
submitted by /u/SVNHG
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