Thanks for all your responses.
It's hard to get my company to give details on these plans (for instance enrollment begins 10/18 and the Benefits Enrollment page on the website only has one Medical video, none of the other links work, and no cost info. I've pulled much of this info from scouring the website and the video - you'll see some important details to help compare are missing. Below is all that I know from investigating right now. I plan on calling the Benefits line tomorrow (but if it goes like it did last year, I doubt I'll come away with much new knowledge).
Key Point: I have Kaiser, which the corporation that owns my company has been phasing out. Because of a very confusing, hard to explain company structural change, I was "grandfathered in" to pick Kaiser as my health plan last year. I did so (even though my company NEVER gave me a Kaiser packet with you know, important plan details) because I'd had a different very crappy health plan with the previous corporation owner and had ended up paying a huge amount for a hospital stay because of it (had to pay a company called CoPatient to bring the medical bill down to an affordable level). The previous health plan (shall I just name it? It was Cigna) did everything they could to avoid paying any of my healthcare expenses. Excuse after excuse after excuse. My coworkers also had horror stories (one lady found another job because Cigna would not cover a wrist surgery she needed). So I jumped on Kaiser, even though with the structural changes, the healthcare offerings were Aetna, not Cigna any more. I'd had Kaiser in the past and knew it was OK so I went with that, thinking it was better. The premiums were about the same as the middle plan of the 3 Aetna offerings last year (Aetna Basic, Aetna Classic, or Aetna Premium).2016 - what I have nowKaiser HMO
My cost: $133/month
Company pays: $199.19/month + I get a $18 wellness benefit every month on a paycheck (added to my earned income)
Never received plan details despite calling both Kaiser and my company's HR department. They both refer to each other and no one will send me a plan. I was charged $25 for a doctor's visit.
Offerings for 2017I think Kaiser will be an option for me again, although not advertised on the company website. Probably the same as what I have now, but no info anywhere about it from the company website and HR is no help.
Aetna ClassicPreventative: 100% Covered
Doctor: $30 Copay
Specialist: $50 Copay
In-Network Deductible: $1000 Individual
Other Services: Pay 30% after deductible met
Maximum: Covers 100% after max of $6350 Indv.
Out-of-Network: Pay 60% after deductible $2000 Indv.
Cost: Not shown anywhere (yet - will probably be visible once open enrollment starts)
Aetna PremiumPreventative: 100% Covered
Doctor: $30 Copay
Specialist: $50 Copay
In-Network Deductible: $700 Individual
Other Services: Pay 15% after deductible met
Maximum: Covers 100% after max of $6350 Indv.
Out-of-Network: Not Covered
Cost: Not shown anywhere (yet - will probably be visible once open enrollment starts)
High Deductible Health Plan with HSAPreventative: 100% Covered
Doctor: Pay until deductible met
Specialist: Pay until deductible met
In-Network Deductible: $1300 Indv.
Other Services: Pay 30% after deductible met
Maximum: Covers 100% after max of $6350 Indv.
Out-of-Network: Pay 60% after deductible; $2600 Indv.
Cost: Not shown anywhere (yet - will probably be visible once open enrollment starts)
HSA infoRan by PayFlex
www.payflexdirect.comIRS contribution limit for 2017 of $3400
My company will make an annual deposit of $500 for 2017
usual HSA stuff - tax advantages, portable, no "use it or lose it", invest after HSA balance exceeds $1000.
PayFlex website mentions the fees (like I said, lady said $2, and an investment advisor - not sure of the charge on that and didn't get much helpful info from lady when I called).
I will try calling HR Benefits line tomorrow morning and see if I can get more info. (Doubt it though) :(