So here's what i know. My current plan has $0 deductible. For the most part, everything we need (kids immunization and routine preventive maintenance) are covered 100%. The most I've paid was $1000 to have our kids delivered. So looking at the new plan I'm seeing a deductible amount.
For in-network providers $1,500 person / $3,000 family;
For out-of-network providers $3,000 person / $6,000 family.
Does not apply to in-network preventive care, in-network
office visits, emergency room visits, urgent care facility
visits. Co-payments don't count toward the deductible.
See the chart starting on page 2 for how much you
pay for covered services after you meet the deductible.
So now page 2 shows (I'm only going to show a few examples we actually need).
Primary care visit to treat an injury or illness -$20 co-pay/visit
Diagnostic test (x-ray, blood work) - No charge
With the example above, let's say the doctor charges us $145 for a well-visit for my son. With our current plan, I don't have to pay anything. When he's sick and has to see his doctor, I pay a co-pay of $20 or so. With the new plan, does this mean I'm on the hook for $145?
The same goes for bloodwork. I get routine bloodwork every 6 months. I'm covered 100%. If my EOB shows a total of $500, does that mean I pay the $500?!
I really need to sit down and compare the cost. I don't want to switch jobs and end up with crappy insurance. However, I realize many employers are struggling to offer "good" coverage at a decent price. With the "savings" I have from not having to pay too much each month, I would probably put that towards savings and the cost of healthcare throughout the year. So it's not really a savings.
UPDATED WITH SCREENSHOT