[RunItUpTheGut]

Hey guys any help or feedback on this would be great.

I get insurance through my job. All of them are great but I’ve been on “self plus 1” with me and my wife for dental.

Now that my kid is older I need to add him and change it to “self and family”.

My question is, there are several options and company’s out there I can choose from. The one I have right now is great, even the dental people say they’ve not seen many like it. But when I add him it’s going to go up significantly! But there is another option out there for me that I’ve looked into and there’s not to much of a difference in what they pay and what your copay would be for services. The only difference I can’t figure out is the one I currently have is a PPO, and the one I’m looking at is an EPO. I know what they stand for, but what is the difference? Pros and cons of each? Any insight would be GREATLY APPRECIATED!

I've been on a high deductible HSA plan for almost a decade. Almost all employers will eventually go to it. Every year the deductible goes up as well. I pay almost 7000 a year out of pocket for healthcare cost for my family. Its ridiculous. Not to mention the 120 a week I pay in just to have shitty anthem.

As for your question, I know with an EPO that you have to go to an in network doctor or your coverage will pay absolutely nothing. In a PPO plan, you can go to an out of network doctor or have something done without a referral and the insurance will pay but not as much coverage as if you went to an in network.

In my opinion, depending on your provider and assuming how many local doctors they have in network I would just pick the cheaper one if the coverage and deductibles and copays are the same.