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EricaAlt
LIF Adult
Member since 7/08 22665 total posts
Name:
Erica
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Ugh! Deciding which Health Plan Edited for more info
It's that time of year again... Open Enrollment
We have UHC through my company and always went with the cheapest. THis year it's a family of 4 (DH, myself, 2 year old and baby).
DH said get the cheapest again. I know there are a ton of factors to think of.
Also, we were bought out by another company. They are still with UHC, but there are 3 choice... Select, Choice and Quality
Which do you go with and why?
See, this is one of the main reasons I WFT is b/c I cover the benefits for the family.
Good news with this plan is the co-pay is $10 for sick visits! 
I was paying $30 last time
ETA - more info on the plans below
Message edited 12/7/2011 1:10:04 PM.
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Posted 12/7/11 12:23 PM  |
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maybeamommy
Blessed beyond belief
Member since 10/07 17048 total posts
Name:
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Re: Ugh! Deciding which Health Plan
Can you describe each plan a little more?
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| Posted 12/7/11 12:32 PM |
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Domino
Always My Miracle
Member since 9/05 9923 total posts
Name:
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Re: Ugh! Deciding which Health Plan
you need to factor in what the difference in price is in relation to why it is more money. With two kids, which one offers unlimited well visits? How much are prescriptions? Do either of you wear glasses? Does one include optical over the other? How much are prescriptions? Kids are always sick so the cost of copays are important.
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| Posted 12/7/11 12:49 PM |
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BeachMom
Love my 4 kiddos!
Member since 11/08 8346 total posts
Name:
Kristie
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Re: Ugh! Deciding which Health Plan
For us in deciding between the standard and high option i went with price. The high option was 1700 more per year. So i figured in the difference between the copays and whatever and actually wound up saving money going with the cheaper one.
We always took the higher option to have less out of pocket expenses, last year we switched to the cheaper one and saved money, and we're a family of 5.
They do have some comparison websites out there to check out the plans benefits and figure out what you'd need.
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| Posted 12/7/11 1:03 PM |
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EricaAlt
LIF Adult
Member since 7/08 22665 total posts
Name:
Erica
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Re: Ugh! Deciding which Health Plan
Select = $600
Choice = $1000
Quality $2000
$10 co-pay for all
well visits are covered 100% for all
Select Specialist - $30 + Ded & 80% contracted rate
Choice - same as select
Quality - same but 70% contracted rate
Hospital - 80% of contracted rate and 70% for quality
Generic meds - $10
Brand name $40
Message edited 12/7/2011 1:32:35 PM.
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| Posted 12/7/11 1:08 PM |
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Re: Ugh! Deciding which Health Plan Edited for more info
Are there any plans without a deductible? I am not a fan of them and prefer co-pays.
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| Posted 12/7/11 1:11 PM |
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EricaAlt
LIF Adult
Member since 7/08 22665 total posts
Name:
Erica
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Re: Ugh! Deciding which Health Plan Edited for more info
Posted by JerseyMamaOf3
Are there any plans without a deductible? I am not a fan of them and prefer co-pays.
no, they all do
at least my co-pays will go down. I was at Wee Care so much with Mason last Fall and Winter paying $30 a sick visit! THey're all $10 so that's huge. Let's just hope I don't have to go
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| Posted 12/7/11 1:25 PM |
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Lara&Aidansmommy
For mom i miss u ETC ILOVEU
Member since 3/07 13921 total posts
Name:
ETC I LOVE YOU
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Re: Ugh! Deciding which Health Plan Edited for more info
Id go with the select plan. Do all the drs you and your family see participate in all of these plans? If so Id go with the cheapest one.
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| Posted 12/7/11 1:29 PM |
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ali120206
2 Boys
Member since 7/06 17792 total posts
Name:
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Re: Ugh! Deciding which Health Plan Edited for more info
What is the difference in price per paycheck? That would affect my decision.
ETA - Sorry, misread your post.
I'd go with the cheapest one too since the co-pays are the same...
Message edited 12/7/2011 1:39:15 PM.
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| Posted 12/7/11 1:32 PM |
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EricaAlt
LIF Adult
Member since 7/08 22665 total posts
Name:
Erica
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Re: Ugh! Deciding which Health Plan Edited for more info
Posted by Larasmommy
Id go with the select plan. Do all the drs you and your family see participate in all of these plans? If so Id go with the cheapest one.
Yes, thank goodness... it's still UHC
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| Posted 12/7/11 1:33 PM |
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EricaAlt
LIF Adult
Member since 7/08 22665 total posts
Name:
Erica
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Re: Ugh! Deciding which Health Plan Edited for more info
PPO Quality (family) is $98.75 (bi-weekly)
PPO Select (family) is $163.45 (bi-weekly)
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| Posted 12/7/11 2:37 PM |
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Lillykat
going along for the ride...
Member since 5/05 16253 total posts
Name:
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Re: Ugh! Deciding which Health Plan Edited for more info
Sorry with all the info in various places - I'm not sure I am reading it right. Are they HMO's or PPOs? Because that would make a difference to me. Can you go out of network if you need to?
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| Posted 12/7/11 4:54 PM |
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Domino
Always My Miracle
Member since 9/05 9923 total posts
Name:
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Re: Ugh! Deciding which Health Plan Edited for more info
If i am going to be forced into paying a deductible, which I find to be a terrible trend in HC, I would go with the cheapest plan.
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| Posted 12/7/11 5:06 PM |
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