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Which health insurance for new job?

J

jmcoreymv

Diamond Member
I'm graduating soon and found a job that has several different health plan options:

Cigna PPO $28
Cigna HMO $22
Cigna POS $20
Cigna Choice Fund $9
Kaiser Permanente $39

The prices are bi-weekly.

I was thinking about just getting the PPO because everyone talks a lot of crap about HMO's.
Any opinions?

 
What's the $9 plan? A health savings account?

That's the route I'm going with my new job I think. There's a small premium for insurance that would cover a serious injury or illness and I contribute money to a health savings account that rolls over at the end of the year (the company contributes $300/yr as well). Since I'm young and healthy with no kids, I hardly ever go to the doctor or use my medical insurance, so it doesn't make any sense to pay $60-100/month for it when I can pay $20/month plus whatever I contribute to my HSA (which I can use for stuff like doctors visits or prescriptions).
 
Originally posted by: Kelvrick
I ride a motorcycle. Always the best coverage for me.
Click to expand...
Me too, but the stuff the company gave me made it seem like there really wasn't any advantage to the PPO plan unless you had a spouse/kids using it too.

Of course, that's what they want you to choose because it's the cheapest for them. When I get all the official info I'll run the numbers on it before I make a final decision.
 
PPO sounds like it might be better and give you more flexibility. Which one has the lowest deductible and out of pocket max? How much are the co-pays for each?
 
HMO's really only suck if you are in a bad area that doesn't have a lot of groups/docs signed on to the plan. The last three places I've lived in pretty much any MD in the area was part of the network and referrals were never a problem.

If you are young and healthy, an HMO is really the cheapest option. You only pay a small co-pay for most services ($10-$15).

With a PPO you are probably looking at paying 20% out of pocket for anything you have done.

 
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