So my employer offers United Health care and this is my first time purchasing my own healthcare so I was learning a lot of terms very quick, literally had no idea about any of this.
Essentially there were two different options:
Option 1: Pay $208 a month with $1000 deductible
Option 2: Pay $104 a month with a $3500 deductible
3 Questions:
- I chose option 2 because I rarely go to the doctor *but* I will be going to a psychologist/psychiatrist which counts as a specialist right?
- Was this the right option to choose from? From my understanding I'm going to pay out of pocket until I reach the $3500? That seems pretty crazy.
- If I'm in-network will the insurance at least work down a lower price so it's not the same price as if I had no insurance at all?
I still have 14 days to change things before anything is official so I could use all the advice being offered, thanks!
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