Which insurance option should I choose...

May 10, 2019

  1. Daniel J Topolski
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    Daniel J Topolski New Member

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    State:
    Colorado
    First let me tell you about myself. 38 years old, healthy male (see doctor once a year for physical), no pre-existing conditions. Never been to hospital or ER (knock on wood). Sedentary job - don't do much physical stuff or sports.

    OPTION #1 - OneShare
    $20 office visits (rest of visit including labs and xrays is free/paid in full) -- THREE PER YEAR
    $20 urgent care (rest of visit including labs and xrays is free/paid in full) -- ONE PER YEAR
    $500 emergency room visit (rest of visit covered in full) -- ONE PER YEAR
    $0 wellness check - ONE PER YEAR
    Free telemedicine
    $150K per incident max
    $1 million lifetime max
    No specialists - WE PAY IN FULL FOR THOSE
    $10,000 deductible
    COST - $211 a month

    OPTION #2 - MediShare
    $35 office visits (we pay the rest later after 20% discount)
    $35 urgent care(we pay the rest later after 20% discount)
    $200 emergency room visit (we pay the rest later after 20% discount)
    No wellness exam
    Free telemedicine
    $150K per incident max
    $1 million lifetime max
    $35 specialists (we pay the rest later after 20% discount)
    $5500 deductible
    COST - $218 a month

    OPTION #2 - Anthem Blue Cross
    $50 office visits (we pay the rest later after bill is discounted)
    $75 urgent care (we pay the rest later after bill is discounted)
    $400 emergency room visit (we pay the rest later after bill is discounted)
    $0 free wellness exam (one per year)
    No telemedicine
    No incident or lifetime maximum
    $75 specialists (we pay the rest later after bill is discounted)
    $2500 deductible
    $6000 out of pocket max
    80% coinsurance (we pay 20% after deductible up to $6000)
    COST - $240 a month
     
  2. Yagents
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    Yagents Guru

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    State:
    Arizona
    #3 anthem. Only real insurance u provided
     
    Yagents, May 10, 2019
    #2
  3. mattt
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    mattt New Member

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    Anthem simply due to the no incident/lifetime max. That's the whole point of health insurance or any insurance is to make sure you don't go bankrupt over something catastrophic. Since you don't go to the Dr. anyway the copays don't really matter and there's only a 20-30/mo difference.
     
    mattt, May 10, 2019
    #3
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