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mythology

(9,527 posts)

7. The reason the out of pocket max is unlimited for out of network

Fri Nov 14, 2014, 08:45 AM

Nov 2014

is to discourage you from using an out of network provider.

But to make an appropriate recommendation about which plan you should go for, you would also need to know if there are any benefit coverage differences.

In my case, I know I have a major surgery at the end of this year and then next year I'm going to have a million PT visits early in the year and several sets of x-rays/MRI scans over the course of the year. So I looked at what the plans offered in terms of PT visits and covered in the scans I'm going to need.

Also do either of your plans come with a rollover HSA that you could contribute to? That can also influence your choice. I have a friend who is in the position that she can afford to contribute the $3,300 max to that each year and for the years when she has a major health expense, she can pay out of that money which is also reducing her taxable income.

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Can you all help me compare some health insurance options? I'm ignorant. [View all] PlanetaryOrbit Nov 2014 OP

If those are your only choices go with A. boston bean Nov 2014 #1

Plan B if you are healthy, plan A if not Travis_0004 Nov 2014 #2

My health care expense this year was just a few hundred dollars. PlanetaryOrbit Nov 2014 #3

You need to find out about the network. If it is not comprehensive, then Plan A will bankrupt you. Yo_Mama Nov 2014 #15

Being in your 20s and assuming generally good health, you shouldn't need coverage for anything Nuclear Unicorn Nov 2014 #4

Oh no PlanetaryOrbit Nov 2014 #5

Fair 'nuff. My original suggestion still holds, I believe. nt Nuclear Unicorn Nov 2014 #6

The reason the out of pocket max is unlimited for out of network mythology Nov 2014 #7

Your post is one more reason for single-payer. Vinca Nov 2014 #8

You're covered for the first 80% of what Medicare allows Lurks Often Nov 2014 #9

I know that. Vinca Nov 2014 #17

I would like to point out that I'm just plain ignorant. AngryAmish Nov 2014 #10

Plan A would be my choice Lurks Often Nov 2014 #11

No, in that scenario Plan A would save $1600. Nye Bevan Nov 2014 #14

We could both be wrong Lurks Often Nov 2014 #16

I would mercuryblues Nov 2014 #12

I crunched the numbers in Excel, Nye Bevan Nov 2014 #13

But, if possible, set aside the out-of-pocket maximum, and... Barack_America Nov 2014 #18

An HSA (health savings account) is great if you have money to contribute. Nye Bevan Nov 2014 #19

Thanks! PlanetaryOrbit Nov 2014 #20