Quote:
Originally Posted by Halon1211
I like the monthly premiums on the diamond plan, however I feel like I could end up paying a lot everyone we go to an office visit. I believe it says 10% after your deductible is meet for the diamond plan. My daughter is going to the pediatrician a lot right now so I feel like all those bills can add up.
I hear you. I've got a wife with (hopefully temporary) major health challenges and we'll likely max out the out of pocket costs for 2019.
However, one of the interesting differences between the B plan and the Diamond w/HRA is the fact that you have to subtract $3000 from the out of pocket max in the Diamond plan. So a quick comparison says that if you are going to max out your benefits with both plans your total out of pocket expenditure will be $4,500 with the Diamond plan, $7,950 with the A plan, $3,598 with the EPO, and $3,000 with the B plan that we can't get anymore. That's only a difference of $1,500 for the lower premium to make up. I haven't yet done the math to figure out the total yearly cost with premiums included but the Diamond plan has more going for it than you see at first glance.