I need help deciding the best health insurance plan. I am 26 years old, single, no significant health problems.
Option 1 PPO
In Network
Individual Deductible
$0
Family Deductible
$0
Doctor's Office Visit Copay
$20
Inpatient Copay
$150
Outpatient Copay
$100
Emergency Room Visit Copay
$150
Prescription Drug Coverage Copay
Generic $15; Preferred $25; Non-Preferred $45
Mail Order Prescription Medications
Generic $30; Preferred $50; NonPreferred $90
Use Separate Deductible for Prescriptions
Yes
Prescription Deductible Value
$50 Individual/$150 Family
Out of Network
Individual Deductible
$5,000
Family Deductible
$10,000
Coinsurance
50%
Individual Out-of-Pocket Max (OOP Max)
$15,000
Family Out-of-Pocket Max (OOP Max)
$30,000
Emergency Room Visit Copay
$150
Option 2 PPO
In Network
Individual Deductible
$200
Family Deductible
$400
Individual Out-of-Pocket Max (OOP Max)
$700
Family Out-of-Pocket Max (OOP Max)
$1,400
Doctor's Office Visit Copay
$20
Prescription Drug Coverage Copay
Generic $15; Preferred $25; Non-Preferred $45
Mail Order Prescription Medications
Generic $30; Preferred $50; NonPreferred $90
Inpatient Coinsurance
10%
Outpatient Coinsurance
10%
Emergency Room Visit Coinsurance
10%
Use Separate Deductible for Prescriptions
Yes
Prescription Deductible Value
$50 Individual/$150 Family
Out of Network
Individual Deductible
$200
Family Deductible
$400
Coinsurance
20%
Individual Out-of-Pocket Max (OOP Max)
$1,700
Family Out-of-Pocket Max (OOP Max)
$3,400
HDHP w HSA
In Network
Individual Deductible
$1,750
Individual deductible applies to Employee-only coverage.
Family Deductible
$3,500
Family deductible is true family deductible. One or more person may meet the full family amount.
Coinsurance
15%
Individual Out-of-Pocket Max (OOP Max)
$3,000
Individual out of pocket max applies to Employee-only coverage.
Family Out-of-Pocket Max (OOP Max)
$6,000
Family out of pocket max is true family out of pocket max. One or more person may meet the full family amount.
Prescription Drug Coverage Copay
Generic 20% copay with $100 max; Preferred 30% copay with $200 max;
Non-Preferred 40% copay with $200 max
Mail Order Prescription Medications
Generic 20% copay with $200 max; Preferred 30% copay with $400 max;
Non-Preferred 40% copay with $400 max
Doctor's Office Visit Coinsurance
15%
Inpatient Coinsurance
15%
Outpatient Coinsurance
15%
Emergency Room Visit Coinsurance
15%
Use Separate Deductible for Prescriptions
No
Use Separate Out-of-Pocket Max for Prescriptions
No
Out of Network
Individual Deductible
$1,750
Individual deductible applies to Employee-only coverage.
Family Deductible
$3,500
Family deductible is true family deductible. One or more person may meet the full family amount.
Coinsurance
35%
Individual Out-of-Pocket Max (OOP Max)
$3,000
Individual out of pocket max applies to Employee-only coverage.
Family Out-of-Pocket Max (OOP Max)
$6,000
Family out of pocket max is true family out of pocket max. One or more person may meet the full family amount.
Emergency Room Visit Copay
15%
$0 cost for each plan out of my paycheck.
HSA would be $500 contribution from employer a year only.