I recently started a new job that offers about 130$ a week, that can either be used to cover the cost of enrollment for full coverage through their provider, or I have the option to not enroll for medical insurance through them and instead keep thr stipend and do what i please with it.
Before i knew this, i was planning on enrolling through my job to get benefitd regardless because I havent been to a doctor and years and quite honestly, i get stressed having to go throught the marketplace. But someone mentioned that maybe I should get a cheaper insurance through the markeplace and pocket the extra money.
Can I have some advice on what I should be looking at to make my decision? I honestly dont know how to compare which policies are worth the money or not. Im pretty much paycheck to paycheck to paycheck so having the extra money would help, but i desperately want to go to the doctor and if its worth it, i really would like to take advantage of the stipend.
If it helps, thr service provider is HealthComp, using the Cigna network? (I dont really understand what this means.)
We also have an in house nurse here. Im not sure if that provides more information. This all feels foreign to me.
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