I have these options at my new job for health insurance, and I have no idea which to pick. I don't WANT to spend 119.95 every single paycheck, but I will if it's my best option. I've been on Medicaid the last few months so I don't know much about this. I have adhd, so I have to pick up Vyvanse every month, and I typically see my doctor every 2-3 months, but he accepts United Healthcare so that shouldn't need to change, but I have no idea how much things typically cost. I try to go to the doctor as little as I can, I'm relatively healthy. !'m 24, I make $15.80 an hour at this full-time job, in NC. I just don't want to make a hasty decision and be stuck paying out the ass a whole year for something I may not use, and I'd greatly appreciate any advise.
|1-Provider
2-Deductible - Individual
3-Deductible - Family
4-Out of Pocket Maximum - Individual
5-Out of Pocket Maximum - Family
6-Copay - Primary Care
7-Copay - Specialist
8-Rx Copay (Generic)
9-Rx Copay (Preferred Brand)
10-Rx Copay (Non-Preferred Brand)
|UHC Base PPO $104.53 per paycheck-
Plan Detail 1-United Healthcare 2-$1,250 3-$2,500 4-$6,000 5-$12,000 6-$35 7-$35 8-$10 9-$35 10-$70
|UHC Buy-Up PPO $119.95 per paycheck-
Plan Detail 1-United Healthcare 2-$750 3-$1,500 4-$3,000 5-$6,000 6-$25 7-$25 8-$10 9-$35 10-$70|
|UHC Base HSA (TAS) $65.62 per paycheck-
1-United Healthcare 2-$3,200 3-$5,800 4-$6,000 5-$12,000 6--- 7--- 8-$10 9-$35 10-$70
|UHC Buy-up HSA (TAS) $89.65 per paycheck-
1-United Healthcare 2-$1,800 3-$3,600 4-$3,600 5-$7,200 6--- 7--- 8-$10 9-$35 10-$70|
|1-Provider
2-Deductible - Individual
3-Deductible - Family
4-Out of Pocket Maximum - Individual
5-Out of Pocket Maximum - Family
6-Copay - Primary Care
7-Copay - Specialist
8-Rx Copay (Generic)
9-Rx Copay (Preferred Brand)
10-Rx Copay (Non-Preferred Brand)
|UHC Base PPO $104.53 per paycheck-
Plan Detail 1-United Healthcare 2-$1,250 3-$2,500 4-$6,000 5-$12,000 6-$35 7-$35 8-$10 9-$35 10-$70
|UHC Buy-Up PPO $119.95 per paycheck-
Plan Detail 1-United Healthcare 2-$750 3-$1,500 4-$3,000 5-$6,000 6-$25 7-$25 8-$10 9-$35 10-$70|
|UHC Base HSA (TAS) $65.62 per paycheck-
1-United Healthcare 2-$3,200 3-$5,800 4-$6,000 5-$12,000 6--- 7--- 8-$10 9-$35 10-$70
|UHC Buy-up HSA (TAS) $89.65 per paycheck-
1-United Healthcare 2-$1,800 3-$3,600 4-$3,600 5-$7,200 6--- 7--- 8-$10 9-$35 10-$70|