Hi all,
I recently switched to a nicer job. As such, I need to pick out insurance. One of the "top tier" plans appears to be some company called VBP which looks to be government related? It's about the same about that my wife and I were paying separately for HSA plans, so I'm thinking about getting it, but I don't want to overpay.
My wife and daughter are a bit fragile, we have at least 1 emergency room visit a year between Allergic Reactions and other issues. There's a few lower tiers that I need help understanding;
- HSA Tier: Has deductible, deductible could be covered in ~10 months if I put aside the difference between HSA Tier and Top tier. 100% coverage after deductible for most things, 0% co-insurance(?) no copays
- Mid Tier: Has ~50% smaller deductible. 100% coverage after deductible for Physician + Preventive, 85% coverage after deductible for hospital things, 15% co-insurance(?), has reasonable copays
- Top Tier: No deductible, 100% coverage for pretty much everything, has reasonable copays but a heck of an inpatient copay.
I don't want to overpay monthly if I can get enough coverage, but I don't want to be in the situation I've previously been in where I didn't have the right coverage and owe a couple thousand (which I'm still steadily paying off)
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