Hi everyone,
Today is the last day of open enrollment, and I’m really struggling to choose a plan. I currently have BCBS in California and have been facing a lot of issues with them this year. My employer only offers two options:
1. BCBS PPO (CURRENT PLAN)
- $750 deductible
- 20% coinsurance after deductible is met
2. BCBS CHP with HSA
- $1600 deductible
- 15% coinsurance after deductible is met
Most hospital services aren’t fully covered, and I have to pay up to the deductible (for services like specialists, ER visits, behavioral health, etc) before I can use coinsurance. I don’t expect to need a lot of hospital services, but you never know, and I don’t want to be caught unprepared.
At the same time, I’m not wealthy, and paying out-of-pocket for services is stressful. I’m currently on the PPO plan, but it’s been tough with all the extra costs, hidden fees, and lack of transparency from the insurance company.
Can anyone help me figure out which plan might be better for me? If you need any more information to clarify, I’d be happy to provide it. Thanks! :)
0 nhận xét:
Đăng nhận xét