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11-19-2018, 07:43 PM
RunItUpTheGut Wrote: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.Ok thank you so much. With my insurance I donât have a deductible for anything. And I usually go to in network providers anyways. But EPO plan is cheaper by about half from what I carry right now. So before I switched I wanted to make sure there wasnât any major âcatchesâ to it. Because it pays the same as the one I have right now. Thanks Gut. I think you just helped me make my decision. Worst case. If I donât like it. Iâll just switch in a year.
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.
Messages In This Thread
Need help with insurance - by Hound05 - 11-14-2018, 03:52 AM
Need help with insurance - by Westside - 11-15-2018, 01:58 PM
Need help with insurance - by Hound05 - 11-15-2018, 07:57 PM
Need help with insurance - by RunItUpTheGut - 11-17-2018, 10:06 PM
Need help with insurance - by Hound05 - 11-19-2018, 07:43 PM
Need help with insurance - by RunItUpTheGut - 11-19-2018, 09:35 PM
Need help with insurance - by Spirit100 - 11-25-2018, 07:04 PM
Need help with insurance - by RunItUpTheGut - 11-28-2018, 06:28 AM
Need help with insurance - by Mayfieldsportsfan - 11-28-2018, 07:59 PM
Need help with insurance - by Spirit100 - 12-16-2018, 10:09 PM
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