大家帮我看一下这两个保险选哪个比较好？# NextGeneration - 我爱宝宝
t*r
1 楼
目前要选保险，以下费用是family的total cost，娃10月出生，不知道第一年医疗大概
要花多少钱呢？
谢谢！
HSA PPO222
------------------------------------------------------------------------
yearly cost -300 2760
Deductables:
single deductable in-network 1500 500
single deductable out-network 3500 1000
family deductable in-network 3000 1000
family deductable out-network 7000 2000
Max Out of Pocket:
single max oop in-network 2500 3500
single max oop out-network 4500 7000
family max oop in-network 5000 7000
family max oop out-network 9000 14000
Coinsurance rate:
coinsurance in-network 90% 80%
coinsurance out-network 70% 60%
Office visit copay :
HSA:
primary physician office visit
in-network no copay, 90% after deductable
out-network no copay, 70% after deductable
specialist office visit
in-network no copay, 90% after deductable
out-network no copay, 70% after deductable
PPO 222:
primary physician office visit
in-network $20 copay, 100% no deductable
out-of-network no copay, 60% after deductable has been met
specialist office visit
in-network $30 copay, 100% no deductable
out-of-network no copay, 60% after deductable has been met
RX:
both plans are the same and same price for in-network and out-of-network:
tier 1 drug: $10
tier 2 drug: $30
tier 3 drug: $50
w/no rx deductable and no rx max oop
要花多少钱呢？
谢谢！
HSA PPO222
------------------------------------------------------------------------
yearly cost -300 2760
Deductables:
single deductable in-network 1500 500
single deductable out-network 3500 1000
family deductable in-network 3000 1000
family deductable out-network 7000 2000
Max Out of Pocket:
single max oop in-network 2500 3500
single max oop out-network 4500 7000
family max oop in-network 5000 7000
family max oop out-network 9000 14000
Coinsurance rate:
coinsurance in-network 90% 80%
coinsurance out-network 70% 60%
Office visit copay :
HSA:
primary physician office visit
in-network no copay, 90% after deductable
out-network no copay, 70% after deductable
specialist office visit
in-network no copay, 90% after deductable
out-network no copay, 70% after deductable
PPO 222:
primary physician office visit
in-network $20 copay, 100% no deductable
out-of-network no copay, 60% after deductable has been met
specialist office visit
in-network $30 copay, 100% no deductable
out-of-network no copay, 60% after deductable has been met
RX:
both plans are the same and same price for in-network and out-of-network:
tier 1 drug: $10
tier 2 drug: $30
tier 3 drug: $50
w/no rx deductable and no rx max oop
