New job, I know nothing about health insurance
This is the first year I've needed health insurance as I was using my parents up until I turned 26. I'm wondering if my new health insurance plan at my new job is reasonable or if I should go with something else.
I am single and the only one that will be on the plan. The details are below. Thank you in advance!
Balanced w/Care Cash – $3,500 | United Healthcare
Monthly premium:
You pay: $260.94
Company pays: $260.94
Total: $521.88
Copay: $30
Coinsurance: 10%
Deductible: $3,500
Deductible (fam): $7,000
OOP max: $8,000
OOP max (fam): $16,000
HSA Eligible?: No
Plan Level: Gold
Network: STANDARD
Specialist Copay: $60
Emergency Room: 10% after deductible
Urgent Care: $50
Inpatient Stay: 10% after deductible
Outpatient Stay: 10% after deductible
Rx deductible: $0
Tier 1 drugs: $10 per script
Tier 2 drugs: $40 per script
Tier 3 drugs: $150 per script
Specialty drugs: $10-$500 per script
My salary is $80k/year, so I believe this is affordable, but I'm unsure what a reasonable monthly payment actually is for health insurance
submitted by /u/Effective-File-1492
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