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Health insurance plan question
I am so far a healthy 43 year old/m in pa. I am trying to decide which health insurance plan will be good for my situation and I am looking for some opinions here. This Month my group plan ends and I can take cobra but there is no financial benefit to taking my same PPO plan which gives me to price break for being unemployed.
So I am trying to look at this at a meaningful way. Since my PPO was $475/m plue $29 dental I just cant be paying that on my own now. I am thinking that I could get like a lower cost plan from Aetna or United HealthOne and have like a $2500 or $3000 deductable with 0% coinsurance along with a HSA. I would use the HSA to slowly build up a deductable over two years lets say so that if I need it its there for two years. Is this a decent way to look at this?
My problem though is the services I would use is a once a year check up/bloodwork from my main doctor and if I do get sick and I need to see my doctor one time in the year too. Also, I do go to a dentist (who I like) twice a year for cleanings and routine things but he is out of network with any insurance. Everyother year I might have a surface cavity to take care of or repair a filling. SO I can't decide if I should go with Aetna High deductable plan 3000 or something like a Plan 100 2500 deductable from United HealthOne as long as I can get a HSA with either. It seems like UHO has a dental plan that is better at twice the price but I not sure if I will be ahead. What are something other things I should try to calculate in this? Am I doing this the right way or anyone have some suggestions. Please. Thanks!
So I am trying to look at this at a meaningful way. Since my PPO was $475/m plue $29 dental I just cant be paying that on my own now. I am thinking that I could get like a lower cost plan from Aetna or United HealthOne and have like a $2500 or $3000 deductable with 0% coinsurance along with a HSA. I would use the HSA to slowly build up a deductable over two years lets say so that if I need it its there for two years. Is this a decent way to look at this?
My problem though is the services I would use is a once a year check up/bloodwork from my main doctor and if I do get sick and I need to see my doctor one time in the year too. Also, I do go to a dentist (who I like) twice a year for cleanings and routine things but he is out of network with any insurance. Everyother year I might have a surface cavity to take care of or repair a filling. SO I can't decide if I should go with Aetna High deductable plan 3000 or something like a Plan 100 2500 deductable from United HealthOne as long as I can get a HSA with either. It seems like UHO has a dental plan that is better at twice the price but I not sure if I will be ahead. What are something other things I should try to calculate in this? Am I doing this the right way or anyone have some suggestions. Please. Thanks!
I know Aetna is strong in PA but there dental does not cover those white fillings that I use when I have to. I was hoping for a complete solution in some way.
MEDICAL PROFESSIONAL
Dear neftv,
HSA is overall a good option for healthy individuals who don't go to the doctors much, so I would say yes, you are going about it the right way.
As for the difference between the $2500 & $3000 deductible, other than the fact that the plan with the higher deductible should save you around $250 a year in premiums (which means in 2 years you would save the $500 difference in the deductible by paying lower premiums), there isn't a lot of difference.
Both carriers you have mentioned are well reputed, stable carriers, it is just that Aetna is PA based and not likely to leave the Individual market in PA!
As I always say, it doesn't cost you anything extra to consult with an agent, so whether you reach out to a local agent or a licensed online agency, as long as they offer plans by the leading carriers in your state, you'll have a chance to compare your options & have all your questions answered.
Sincerely,
Amir Mostafaie
HSA is overall a good option for healthy individuals who don't go to the doctors much, so I would say yes, you are going about it the right way.
As for the difference between the $2500 & $3000 deductible, other than the fact that the plan with the higher deductible should save you around $250 a year in premiums (which means in 2 years you would save the $500 difference in the deductible by paying lower premiums), there isn't a lot of difference.
Both carriers you have mentioned are well reputed, stable carriers, it is just that Aetna is PA based and not likely to leave the Individual market in PA!
As I always say, it doesn't cost you anything extra to consult with an agent, so whether you reach out to a local agent or a licensed online agency, as long as they offer plans by the leading carriers in your state, you'll have a chance to compare your options & have all your questions answered.
Sincerely,
Amir Mostafaie
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