Ditto, nobody can tell you (plan details vary wildly employer-to-employer, and state-to-state). Often we choose the plan with the highest monthly premium as it has the best coverage (always verify that point though). Save the cheapest, high-deductible plan for the healthy who will never use it! We need low copays, low deductibles, and the best possible coverage and that often means more in the premium but we save in the out-of-pockets as we use the insurance A LOT.
Make sure both plans include your doctor as in-network, and make sure your current medications a covered.
I always do a quick cost analysis in a simple spreadsheet when trying to decide among plans. For both plans I'd do this. Take the premium and multiply it by your number of paychecks in a year. Figure the monthly out of pocket cost of your medication at the pharmacy and multiply it by your number of anticipated refills within a year. Figure the number of doctor's visits that are typical and multiply it out. If you anticipate any procedures (colonoscopies, etc) then estimate their cost in those plans. See how the numbers add up and choose the best one!
Moderator Ulcerative Colitis
John, UC Proctosigmoiditis in Remission
Rx: Remicade @5mgs/kg/6wks; daily 75mgs 6MP, and rowasaThey say "Always trust your gut." Have you met my gut? No way I'm trusting that masochistic, jerk!
Post Edited (iPoop) : 7/25/2019 7:36:18 AM (GMT-6)