edmondsimon
New member
So comparing the two plans I’ve been provided (see info on both below). The first one called “lower deductible” is $71/ biweekly and second In network only, $109/biweekly. With that information I read it as that the higher tier (In network only) costs me an additional $912/year to save $250 in possible deductible. That doesn’t make sense to me, having in the end paid $662 extra for the higher tier if I end up paying full deductible. Am I missing something very important here?
Also, please let me know if I’m going at this completely wrong. This is my first time choosing my own medical insurance.
• Anthem Lower Deductible Plan $71/Biweekly
In-Network Annual Deductible Individual $500
In-Network Annual Deductible Family $1,000
Out-of-Network Annual Deductible Individual $1,000
Out-of-Network Annual Deductible Family $2,000
In-Network Annual Out-of-Pocket Limit Individual $1,500
In-Network Annual Out-of-Pocket Limit Family $3,000
Out-of-Network Annual Out-of-Pocket Limit Ind $3,000
Out-of-Network Annual Out-of-Pocket Limit Family $6,000
Office Visits General Practitioner:
In-Network: $30 copay per visit
Out-of-Network: 40% coinsurance
Office Visits Specialists:
In-Network: $40 copay per visit
Out-of-Network: 40% coinsurance
Physical Exams - One per Year:
In-Network: No charge
Out-of-Network: 40% coinsurance
• Feature Anthem In-Network Only Plan $109/Biweekly
In-Network Annual Deductible Individual $250
In-Network Annual Deductible Family $500
Out-of-Network Annual Deductible Individual N/A
Out-of-Network Annual Deductible Family N/A
In-Network Annual Out-of-Pocket Limit Individual $1,000
In-Network Annual Out-of-Pocket Limit Family $2,000
Out-of-Network Annual Out-of-Pocket Limit Ind N/A
Out-of-Network Annual Out-of-Pocket Limit Family N/A
Office Visits General Practitioner
In-Network: $30 copay per visit
Out-of-Network: Not covered
Office Visits Specialists
In-Network: $40 copay per visit
Out-of-Network: Not covered
Physical Exams - One per Year
In-Network: No charge
Out-of-Network: Not covered
Also, please let me know if I’m going at this completely wrong. This is my first time choosing my own medical insurance.
• Anthem Lower Deductible Plan $71/Biweekly
In-Network Annual Deductible Individual $500
In-Network Annual Deductible Family $1,000
Out-of-Network Annual Deductible Individual $1,000
Out-of-Network Annual Deductible Family $2,000
In-Network Annual Out-of-Pocket Limit Individual $1,500
In-Network Annual Out-of-Pocket Limit Family $3,000
Out-of-Network Annual Out-of-Pocket Limit Ind $3,000
Out-of-Network Annual Out-of-Pocket Limit Family $6,000
Office Visits General Practitioner:
In-Network: $30 copay per visit
Out-of-Network: 40% coinsurance
Office Visits Specialists:
In-Network: $40 copay per visit
Out-of-Network: 40% coinsurance
Physical Exams - One per Year:
In-Network: No charge
Out-of-Network: 40% coinsurance
• Feature Anthem In-Network Only Plan $109/Biweekly
In-Network Annual Deductible Individual $250
In-Network Annual Deductible Family $500
Out-of-Network Annual Deductible Individual N/A
Out-of-Network Annual Deductible Family N/A
In-Network Annual Out-of-Pocket Limit Individual $1,000
In-Network Annual Out-of-Pocket Limit Family $2,000
Out-of-Network Annual Out-of-Pocket Limit Ind N/A
Out-of-Network Annual Out-of-Pocket Limit Family N/A
Office Visits General Practitioner
In-Network: $30 copay per visit
Out-of-Network: Not covered
Office Visits Specialists
In-Network: $40 copay per visit
Out-of-Network: Not covered
Physical Exams - One per Year
In-Network: No charge
Out-of-Network: Not covered