How to estimate costs for health plan

Amazon
basic123

Go to company page Amazon

basic123
Feb 19, 2019 3 Comments

I’ve always been on Kaiser but am going to be kicked off my parents’ health insurance this year since I’m turning 26. When comparing the different plans offered by Amazon Kaiser has clear copays listed but the other plans like HSA and shares deductible only state a percentage that is covered. What is the best way to estimate the cost of an in office visit, lab work, etc so I can get a sense of how much I would be paying?

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TOP 3 Comments
  • Ask your healthcare provider for sample costs. Or, look at your past explanation of benefits and add up the agreed price paid to the provider by the insurance company.
    Feb 19, 2019 1
    • Amazon
      basic123

      Go to company page Amazon

      basic123
      OP
      How do I do this? Aetna and premera for example require you to be a member before they give you cost information, at least according to their site.
      Feb 19, 2019
  • Apple
    EXQB54

    Go to company page Apple

    EXQB54
    Kaiser plan would be higher premium and more worth it if you have a family with kids. If you are young healthy 26year, I'd recommend the HSA plan. If you do the math, it's basically zero cost health insurance if you don't go to the doctor frequently.

    My HSA plan for me+wife is about 130/month and company give us 1500 per year in HSA. This compared to 310/month and no HSA for the Kaiser plan. So the tradeoff really comes based on how often you go urgent care or have other specialist needs. With HSA you pay 100% until hitting deductible, beyond that premium PPO plan is pretty much the same. Kaiser would different though. So it really comes down to your individual needs.
    Feb 19, 2019 0