Hello all! I'm fairly new to the USA and I moved here last year to start a new job. My employer has two insurance options to choose from - Premera blue cross PPO and Kaiser HMO. I picked Premera when I started and so far it's been okay. 450$ deductible, 1700$ OOP max and office visit copays are 25$. Now we have open enrollment coming up (my employer does it in the middle of the year) and I've heard that Kaiser is cheaper in the long run (the plan my employer provides is no deductible, 1300$ OOP max) so I'm wondering whether to stay with Premera or to switch! I'm a relatively healthy 31F but I am looking into mental health therapy, for which I have a 25$ copay per visit with Premera. I also anticipate a pregnancy in the next few years. I've also heard a few not so good things about Kaiser. I'm in WA if it matters.
Fwiw I've hardly used my deductible because my employer has a free health clinic for employees where we can get primary care, preventative care, labs etc. So I pay zero for primary care and labs since I go there. The only time I'd have to pay is if they send me to a specialist elsewhere, or if I need to see an OB for example. The access to this clinic will stay even if I switch to the Kaiser plan.
Should I stay with Premera or switch to the Kaiser plan? Any experiences with either insurance provider?
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