Please help me choose an insurance plan.
I'm really dumb about these things and as a result we currently have shitty insurance coverage.
Us: 2 adults and a kid. 1 adult has chronic health problems. Multiple family members need mental health services. We have consistent prescription needs. Kid probably needs speech therapy.
I THINK that nearly every provider will be in-network, as these are the state provided plans. Mental health/speech may be exceptions though. Hard to say at this point. With a small kid, urgent care visits happen a few times a year. (Note that is is possible that 1 adult won't be on this family plan.)
I made a spreadsheet
of what the member pays for each the plans and our projected costs for services (and this
is the official information).
It seems the the annual cost and monthly cost on the plans isn't too different. The total cost of predicted health care is in the $400 range monthly for each plan.
But if some wiser MeFites can point out some flaws or perhaps say "OMG, choose X because of this little thing that you didn't notice," it would be greatly appreciated.
What am I missing here?