Originally Posted by
NERD
Sorry to keep beating this horse, when we could be discussing alpa/dpa or underboob
Ok, if my math is correct in a worse case situation in network only(gold $1908 premium + $2300 deductible + $4500 coinsurance max -$1050 rewards = $7658 out of pocket)(silver $708 + $4300 + $4500 - $550 = $8958) Difference of $1300 savings going with the gold. With only the individual maximums the difference is much smaller $5008(gold) vs $5308(silver). The calculator shows the silver saves me $700 for the year based on our past use, which was a pretty standard year for us.
I seem to remember the coinsurance max differed for the silver vs gold. Been busy this afternoon-I'll try to post again tonight when I pull up my spreadsheet.
There's a pretty good comparison chart of all this stuff on the employee self service open enrollment page.