Very confused about what health insurance to go with
Hello! I would greatly appreciate some help choosing a plan as it is overwhelming and confusing.
Currently, I have Aetna and I have had many many issues with them. My employer offers Aetna or United.
Current plan: Aetna narrow network
$175 per pay period (every two weeks), this is increasing to $191 in 2023
$1,000 deductible, $5,000 out of pocket max, this is increasing to $5,700 in 2023
Office visits are $25 copay, increasing to $30 in 2023
The major con of this plan is the network is very narrow and only covers a few doctors in my city. I cannot seek treatment outside my city in the rest of the state. My main doctor is covered, but nothing else is such as PT or mental health providers.
Option #1 – United w/ HRA
$281 per pay period, this is the most expensive plan
$2,375 deductible, $7,000 out-of-pocket max
$30 office visit copay
Pro of this plan is the network is larger and includes more doctors
Includes $1,200 wellness dollars
A specialist I see is not covered on this plan and will cost $1,800 a year out of pocket for visits to them.
Option #2 – United w/ HSA
$262 per pay period
$4,275 deductible, $7,125 out-of-pocket max
Office visits are 20% after deductible
Includes $1,200 wellness dollars, but employer does not contribute to HSA
Pro of this plan is the network is larger and includes more doctors
Con: What also gives me pause on this plan is not having a set copay amount and instead having a percentage. My understanding is that we would need to cover the cost of everything until that $4,275 is met. On our current plan, we can at least see the doctor for the copay before meeting our deductible.
A specialist I see is not covered on this plan and will cost $1,800 a year out of pocket for visits to them.
Option #3 – Aetna narrow network w/ HSA
$212 per pay period
$3,300 deductible, $5,000 out-of-pocket max
Office visits are 20% after deductible
Includes $1,200 wellness dollars, but employer does not contribute to HSA
This has the same extremely narrow network we have now. What also gives me pause on this plan is not having a set copay amount and instead having a percentage. My understanding is that we would need to cover the cost of everything until that $3,300 is met. On our current plan, we can at least see the doctor for the copay before meeting our deductible.
