New Insurance!

[sweetie__13 99]

My job just announce we are getting bc/bs, but im stuck in which plan to choose please help! I can choose either the premier $0, premier 1,000, premier 500 or the advantage Indiana open access. I'm not smart with insurance stuff does anyone know about this stuff? ;-(

[cheryl2586 3,053]

Usually the 0 one is the most expensive. You have to look at each plan and choose the one that will cover your needs. Which one pays the most if that is what you need or if you can afford more out of pocket then go with a cheaper one. Each plan should out line what it covers.

[sweetie__13 99]

Usually the 0 one is the most expensive. You have to look at each plan and choose the one that will cover your needs. Which one pays the most if that is what you need or if you can afford more out of pocket then go with a cheaper one. Each plan should out line what it covers.

Sounds like what I wanted hear! I send want to choose the one that pay the most with the least out of pocket even if my monthly payment is higher. Thank you. You really help me. I'm going to make an outline and see which one I lean towards :-)

[cheryl2586 3,053]

You have to see which of the things you need the most. Of course wellness visits and sick visits. I wouldnt weigh in too much on emergency room visits because in all reality unless you are a sickly person how many times do you patronize the ER. In the event you should have to go to the ER and you are admitted the out of pocket cost is usually waived. We have a 200 dollar copay for the ER which I have only used once and was admitted so it was a benefit. I dont go to the ER unless I am really that sick and can't get to my doctor which is usually never. Most insurance carriers cover minute clinics which are becoming very well in need so they are just as good as the ER if you get sick. If they think its serious enough then they will send you to the ER.

[sweetie__13 99]

Yea I did read something about that. I'm not sickly or have health conditions at all other than weight issues. I'm thinking about call the 800 number and just asking in general the options too. My job just have these papers to us Friday and they want them back by the 10th that's not fair but I'm on it

[FLORIDAYS 3,040]

Rule of thumb is to buy the best insurance you can afford considering the deductibles. If u are disciplineed and can put your deductibles in an account to be used for emergencies only then you can buy insurance with a high deductible. If you see the dr a lot for various reasons you want to look for plans with cheaper office visits depending on your financial situation.

You can look at your needs and call your benefits specialist. He or she should be able to walk you through it.

[sweetie__13 99]

I'm not good at saving I have to admit. I will probably do better paying a higher monthly rate. I will for sure call a specialist and see what they say. You guys have been such a big help. Thank u!

[newlife1977 5]

Also u can get the Fsa that helps out a lot