unclegweedoe
New member
Just got a new job this month and have been putting off enroll/waive coverage. They have 4 options and it’s very overwhelming, I’ve been on state insurance my entire adult life and have zero clue what any of it means — I checked out the pinned post and I don’t even know how to understand it in the first place.
Provider will be Blue Cross/Blue Shield of MA. My employer offers HMO and PPO types, with optional FSA. It’ll be ~$70-80/paycheck (biweekly) for any of the 4.
The names they have are: ‘HMO Blue 2000 w/HCCS’, ‘PPO Saver w/HSA’, ‘HMO Blue Deductible’, and ‘Blue Care Elect PPO Deductible’. I did the plan comparison thing they have and I don’t really understand per se still! I tried to look on the provider website too but couldn’t find these specific plans.
I have pre-existing conditions that have required specialists in the past, since I was a teen. I’d need an allergist, nutritionist, and neurologist at the very least. I would assume that not needing referrals (aka the PPO options) would make it easier due to that, but I don’t know if I’m understanding correctly.
For the two PPOs, I’ve listed the majority of important-to-me-things: the Saver one has a $500 higher deductible but the visit cost after deductible is satisfied is $5-10, medications being $15-30, imaging (CT/MRI) is $0, outpatient/inpatient also $0, and mental health care $0-$5; the Blue Care post-deductible visit cost is $25-40, medications are $20-40, imaging/outpatient/inpatient costs $100-250, mental health is $20/$250 inpatient.
I’ve never done nor needed inpatient mental health care, but I really do need therapy and I think will easily rack up costs to satisfy the deductible. I just don’t know if the Saver w/HSA is worth it (I do understand it’s a health saving account but beyond that I’m clueless— do I have to contribute more than what’s taken from my paycheck with the HSA?)
I have no one in y life that is knowledgable on this topic, thus the post here. Thank you in advance, sorry if formatting is wonky (mobile). Sorry if this is the wrong flair too.
Provider will be Blue Cross/Blue Shield of MA. My employer offers HMO and PPO types, with optional FSA. It’ll be ~$70-80/paycheck (biweekly) for any of the 4.
The names they have are: ‘HMO Blue 2000 w/HCCS’, ‘PPO Saver w/HSA’, ‘HMO Blue Deductible’, and ‘Blue Care Elect PPO Deductible’. I did the plan comparison thing they have and I don’t really understand per se still! I tried to look on the provider website too but couldn’t find these specific plans.
I have pre-existing conditions that have required specialists in the past, since I was a teen. I’d need an allergist, nutritionist, and neurologist at the very least. I would assume that not needing referrals (aka the PPO options) would make it easier due to that, but I don’t know if I’m understanding correctly.
For the two PPOs, I’ve listed the majority of important-to-me-things: the Saver one has a $500 higher deductible but the visit cost after deductible is satisfied is $5-10, medications being $15-30, imaging (CT/MRI) is $0, outpatient/inpatient also $0, and mental health care $0-$5; the Blue Care post-deductible visit cost is $25-40, medications are $20-40, imaging/outpatient/inpatient costs $100-250, mental health is $20/$250 inpatient.
I’ve never done nor needed inpatient mental health care, but I really do need therapy and I think will easily rack up costs to satisfy the deductible. I just don’t know if the Saver w/HSA is worth it (I do understand it’s a health saving account but beyond that I’m clueless— do I have to contribute more than what’s taken from my paycheck with the HSA?)
I have no one in y life that is knowledgable on this topic, thus the post here. Thank you in advance, sorry if formatting is wonky (mobile). Sorry if this is the wrong flair too.