Tech IndustryJul 22, 2017
Fitbitb1st2c
Medical - Detailed comparisonFull facts
I see a lot of discussions around this topic but with only a few lines to compare, it is difficult to really see which one is best. These are my numbers, can you share yours? PPO150 Anthem BC Covered: Family of 4 Premium: $590/Month Deductible: $450 family, $150 individual Max Out of pocket: $4000 family, $2000 individual Preventive care: fully covered Doctor office visit: $10 copay, no deductible Specialist office visit: $10 copay after deductible ER: $100 copay + 10% Hospital Charges: 10% after deductible Outpatient surgery: 10% after deductible Need referrals? No Drugs, generic: $10 copay Drugs, brand: $20 copay Drugs, max per year: included in max out of pocket
Premera Blue Cross HSA. For a family of 3 or more. Premium: $0 Deductible: $3,750 Microsoft funds (gives you): $2,500 Preventative care: deductible doesn't apply Before deductible: you pay 100% After deductible: you pay 10% copay until you've paid $2500 in copays. After that you pay 0%. Prescriptions: pay with deductible per above, except preventive prescriptions are free. So, if you do this right, you pay at MOST $3,750 pretax money per yea. Not a family of 3 or more? You +1 = 3000 deductible and 2000 funded + max 2000 copay = max 3000 per year. All else same You only = 1500 deductible, 1000 funded, max 1000 copay = max 1500 per year. All else same. If you're a healthy single person, you basically make money from this plan. If you're a family of 7 like me, you basically max out at $3750. Pretty good deal, but it used to be 100% free.
Copay max for three is not $1000. It is $2500.
oh yeah you're right. Edited.