Need help understanding new insurance: High deductible health insurance with Cigna

I (25F) am under my dad’s (59M) health insurance provided by his job ($60,000/year earnings), we live in Illinois our zipcode is 60406. My dad’s job just switched from BCBS HMO to a HDHP with Cigna PPO on April 1st. The total deductible is set to $3000/year and max out-of-pocket is $6000/year. Does this mean we are now responsible for 100% of the total costs for blood tests, prescription drugs, x-rays, and every other service that isn’t a routine medical exam?

My dad has a few chronic health issues that are all under control thanks to the various medications he’s prescribed, but the prescription costs were all mostly covered by insurance before. Will he have to pay for all six of them out-of-pocket now in order to meet the $3000 minimum before Cigna starts paying at all?

I read that this kind of insurance plan is bad for people with chronic illnesses, would you all recommend my dad refuse this new insurance provided by his job and apply for Medicaid/Medicare? Or, should he stick with this insurance?

submitted by /u/T0talDramaIsland
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