There are 5 insurance options here, basic info of what appears to be the most important factors, for all 5 options. It appears that , for example on kaiser2 listed below, it has a $0 deductible, and primary care doctor visit is fixed at $15. But, if you look at another plan with a high deductible, I would have to pay a percentage, such as 10%. So, in that case, it depends how HIGH the doctors visit cost is. Sometimes a very SIMPLE doctor visit would be $250, so 10% would be $25. Also, I think that FLAT RATE fees are easier to understand and deal with, since we KNOW for sure what to pay. If it is a percentage, then the final bill might be super high, and higher than flat rate fees on the other options. what do you think? See below:
option #1 Kaiser Permanente KP VA Silver 1750/25%/HSA/Dental/Ped Dental
Monthly premium
$81.66/mo.
was $620.66
Deductible
$1,000
group total
Out-of-pocket maximum
$4,500
Copayments / Coinsurance
• 10% Coinsurance after deductible Primary doctor
• 10% Coinsurance after deductible Specialist doctor
• $5 Copay after deductibleGeneric drugs
Dental
Dental: Family and child
More information
• Plan brochure
• Summary of Benefits
• Provider directory
Costs for medical care
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Primary care doctor visit 10% Coinsurance after deductible In-Network; Not Covered Out-of-Network
Specialist visit 10% Coinsurance after deductible In-Network; Not Covered Out-of-Network
X-rays and diagnostic imaging 10% Coinsurance after deductible In-Network; Not Covered Out-of-Network
Laboratory and outpatient professional services 10% Coinsurance after deductible In-Network; Not Covered Out-of-Network
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option #2 Kaiser Permanente KP VA Silver 2500/30/Dental/Ped Dental
Monthly premium
$112.31/mo.
was $651.31
Deductible
$0
Out-of-pocket maximum
$4,500
Copayments / Coinsurance
• $15 Primary doctor
• $25 Specialist doctor
• $15 Generic drugs
Dental
Dental: Family and child
More information
• Plan brochure
• Summary of Benefits
• Provider directory
Costs for medical care
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Primary care doctor visit $15 In-Network; Not Covered Out-of-Network
Specialist visit $25 In-Network; Not Covered Out-of-Network
X-rays and diagnostic imaging $15 In-Network; Not Covered Out-of-Network
Laboratory and outpatient professional services $15 In-Network; Not Covered Out-of-Network
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OPTION #3 Kaiser Permanente KP VA Silver 1500/30/Dental/Ped Dental
Monthly premium
$138.78/mo.
was $677.78
Deductible
$0
Out-of-pocket maximum
$4,500
Copayments / Coinsurance
• $15 Primary doctor
• $25 Specialist doctor
• $15 Generic drugs
Dental
Dental: Family and child
More information
• Plan brochure
• Summary of Benefits
• Provider directory
Costs for medical care
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Primary care doctor visit $15 In-Network; Not Covered Out-of-Network
Specialist visit $25 In-Network; Not Covered Out-of-Network
X-rays and diagnostic imaging $15 In-Network; Not Covered Out-of-Network
Laboratory and outpatient professional services $15 In-Network; Not Covered Out-of-Network
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OPTION#4 Innovation Health Insurance CompanyInnovation Health Aetna-INOVA Silver $10 Copay
Monthly premium
$101.94/mo.
was $640.94
Deductible
$2,000
group total
Out-of-pocket maximum
$4,400
Copayments / Coinsurance
• $5 Primary doctor
• $40 Specialist doctor
• $5 Generic drugs
Dental
Dental: No Coverage
More information
• Plan brochure
• Summary of Benefits
• Provider directory
Costs for medical care
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Primary care doctor visit $5 In-Network; 50% Coinsurance after deductible Out-of-Network; Limits and Exclusions Apply
Specialist visit $40 In-Network; 50% Coinsurance after deductible Out-of-Network
X-rays and diagnostic imaging No Charge After Deductible In-Network; 50% Coinsurance after deductible Out-of-Network
Laboratory and outpatient professional services No Charge After Deductible In-Network; 50% Coinsurance after deductible Out-of-Network
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OPTION #5Innovation Health Insurance CompanyInnovation Health Aetna-INOVA Silver $5 Copay 2750
Monthly premium
$149.21/mo.
was $688.21
Deductible
$2,000
group total
Out-of-pocket maximum
$3,700
Copayments / Coinsurance
• $5 Primary doctor
• $40 Specialist doctor
• $5 Generic drugs
Dental
Dental: No Coverage
More information
• Plan brochure
• Summary of Benefits
• Provider directory
Costs for medical care
Collapse -
Primary care doctor visit $5 In-Network; 50% Coinsurance after deductible Out-of-Network; Limits and Exclusions Apply
Specialist visit $40 In-Network; 50% Coinsurance after deductible Out-of-Network
X-rays and diagnostic imaging No Charge After Deductible In-Network; 50% Coinsurance after deductible Out-of-Network
Laboratory and outpatient professional services No Charge After Deductible In-Network; 50% Coinsurance after deductible Out-of-Network
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Here are more details about the above 5 options:
kaiser1
http://pastebin.com/AJykvgkwkaiser2
http://pastebin.com/pytmsGcRkaiser3
http://pastebin.com/EWXsq87hinnovation1
http://pastebin.com/TcRPUxT9innovation2
http://pastebin.com/FvpSbWRV