Need help selecting a plan!
Greetings,
I am starting a new job in Indiana and I have to select the health insurance plan for my wife and me. We are early 30s and healthy. I never understood health insurance.
I just would like a little advice. Below are the details.
Plan A is HSA Qualified Health Plan, $121.39 eighteen times a year, with Employer HSA Contribution of $660.06
Plan B is PPO Health Plan 2023, $208.42 eighteen times a year
Individual Deductible
A:$2,500 B: $1,300
Family Deductible
A: $5,000 B: $3,900
Individual Out of Pocket Max (OOP Max)
A: $4,750 B: $4,050
Family Out of Pocket Max (OOP Max)
A: $7,150 (Individual)/$8,250 (Family) B:$9,750
Doctor's Office Visit
A: 20% Coinsurance B: 20% Coinsurance
Inpatient
A: 20% Coinsurance B: 20% Coinsurance
Outpatient
A: 20% Coinsurance B: 20% Coinsurance
Emergency Room Visit
A: $200 Copay/Visit then 20% Coinsurance B: $200 Copay/Visit then 20% Coinsurance
Prescription Drugs
A: Tier 1: 20% Coinsurance, Tier 2: 40% Coinsurance, Tier 3: 50% Coinsurance, Specialty: $110
B: Tier 1: 20% Coinsurance, Tier 2: 40% Coinsurance, Tier 3: 50% Coinsurance, Specialty: $110
Mail Order Prescription Medications
A; Tier 1: 20% Coinsurance, Tier 2: 40% Coinsurance, Tier 3: 50% Coinsurance, Specialty: $110
B: Tier 1: 20% Coinsurance, Tier 2: 40% Coinsurance, Tier 3: 50% Coinsurance, Specialty: $110
submitted by /u/rktay52
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