Plan Confusion. HELP! – Marketplace coverage

Hello.

So I am having doubts about the plan we picked for next year and was looking for some advice.

Here ae some details:
– Family of 4
– I will be needing outpatient surgery this coming year.
– Kids do see specialists a couple times a year
– We are all on medication but pretty basic medications. Exceptions: My husband is diabetic and my daughter is on seizure meds.

As of right now we will have a Florida Blue Silver plan 25M03-01: $9,025 Per Person deductible / $18,050 Family. My daughter's seizure meds will be about $70 month with this plan so I think we will be better off using GoodRx, DiRx or something like that. I don't have exact cost of my surgery yet but plan covers: Deductible + 50% Coinsurance. Specialist: Deductible + $110 Copay per Visit/

Other plans I am looking at are Bronze plans (similar monthly costs) that I know usually have not as great coverage but, I am really not sure with what I am looking at. For example:

Florida Blue Bronze 2129: $2,100 Pharmacy Deductible, no other deductible. Outpatient surgery: Ambulatory Surgical Center: $1,200 Copay per Visit/ Hospital: $1,500 Copay per Visit, $300, Specialist: $75 Copay per Visit.

What am I missing that the Bronze plan actually seems better? Prescription costs may be higher but with things like GoodRX is that even really that much of an issue anymore?

Any advice that can be offered is much appreciated. Insurance matters confuse the heck out of me!

Thank you!

submitted by /u/MommyTo3Girls
[comments]