Need help: Which Aetna health insurance plan should I choose?

I'm starting a new role and need help figuring out the best insurance option for me and my husband. They are all Aetna, as it's the option insurance my company provides. Options are detailed below:

Option 1: Aetna PPO 750

Plan type: PPO (Although plan summary shows it as POS)

Requires referral: Summary says no.

Cost per month: $196.25

Deductible: In-network: Single $750 | Family $1500, Out-of-network: Single $2,250 | Family $4,500

Coinsurance: In-network: 10%, Out-of-network: 50%

Out-of-pocket: In-network: Single 3,000 | Family $6,000, Out-of-network: Single $8,000 | Family $16,000

Primary care visit: $25

Specialist visit: $50

Urgent care visit: $85

Emergency room visit: $350

Option 2: Aetna EPO 0

Plan type: EPO

Cost per month: $208.25

Deductible: In-network: Single $0 | Family $0, Out-of-network: Not covered

Coinsurance: In-network: 0%, Out-of-network: Not covered

Out-of-pocket: In-network: Single 3,000 | Family $6,000, Out-of-network: Not covered

Primary care visit: $20

Specialist visit: $40

Urgent care visit: $85

Emergency room visit: $350

Option 3: Aetna PPO 300

Plan type: PPO (Although plan summary shows it as POS)

Requires referral: Summary says no.

Cost per month: $311

Deductible: In-network: Single $300 | Family $900, Out-of-network: Single $1,200 | Family $3,600

Coinsurance: In-network: 10%, Out-of-network: 50%

Out-of-pocket: In-network: Single 3,000 | Family $6,000, Out-of-network: Single $6,000 | Family $18,000

Primary care visit: $20

Specialist visit: $40

Urgent care visit: $85

Emergency room visit: $350

Any insights are greatly appreciated.

submitted by /u/Kfernandz
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