I'm on a good employer-mostly-funded BC/BS plan. We go for the PPO because fighting through my medically-related anxiety to find a doctor/specialist I can trust is scary and panic-inducing enough without the limitations and extra layers of paperwork of an HMO. Check the pharmacy plan if you have multiple options, and think about what you're most likely to need. Our scrip plan is AWESOME for the small children we don't have - most antibiotics and inhalers and assorted stuff I needed as a kid is absolutely free - and terrible for us, as Pod requires specific-brand maintenance drugs that are still $50/month and my recommended birth control, when I'm on it, costs the same as out of pocket.
Also, if you need maintenence meds or will have kids with the attendant frequent co-pays, HSA prepaid benefits are awesome, and if either of you need glasses/contacts, you can dump the extra money at the end of the year into that.
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branchandroot
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Date: 2011-09-22 07:05 pm (UTC)Also, if you need maintenence meds or will have kids with the attendant frequent co-pays, HSA prepaid benefits are awesome, and if either of you need glasses/contacts, you can dump the extra money at the end of the year into that.