Debating on 2 different health insurance--HELPPPPP!!!?

Question

I'm working 2 jobs, a ft & a pt. I need help deciding which health insurance to pick. One thing to keep in mind-- I am currently pregnant (11 weeks), so need the BEST coverage recommendation.

*first health benefit-full time job: (single only)
-$28.16 weekly cost
-Deductible=$1300
-70% after deductible
-$30 copay then 100%
-$1,000,000 life time maximum benefit-- (i have no clue what that is)
*in this plan, there is a choice of ppo & non ppo.. what is the difference??

*second health benefit part time- (single)
+option 1
-$50 weekly cost
-Deductible = $250
-90% to $10,000 coinsurance
-$30 copay then 100%
-2,000,000 life time maximum

+option 2
-$43.00 weekly cost
-500 deductible
-90% to $10,000 coinsurance
-30 copay then 100%
-same 2,000,000 life time maximum.

+option 3
-35.00 weekly cost
-1000 deductible
-80% to $10,000 coinsurance
-30 copay then 100%

I don't know which insurance option i should go with.. i don't want to be cheap..

Answer 1

You should probably choose this one:
*second health benefit part time- (single)
+option 1
-$50 weekly cost
-Deductible = $250
-90% to $10,000 coinsurance
-$30 copay then 100%
-2,000,000 life time maximum

*It has the best benefits, but costs a bit more per month.

Answer 2

First off - "lifetime maximum" is the amount the insurance will pay out for care as long as you have them. It's rare for a healthy person to ever meet their lifetime max - only severly handicapped or desperately ill people do.

PPO allows you to have the option of going out of your specific network - as long as the doctor or hospital takes some form of your plan, you can use them. (For example - Blue Cross/Blue Shield - as long as the provider takes the one in your area, you can see that doctor if you have an out of state based plan.) Non-ppo forces you to hassle with referrals and sometimes limits your provider choices.

Depending on what EXACTLY the deductible pertains to -you want to have as low as possible. If the deductible is for all medical care, you want the second choice, option one - with the $500 deductible. (Being pregnant, you're going to hit the deductible VERY quickly - and that's the amount you have to shell out before the insurance picks up the tab.) If the deductible is only for out of network care, and you can stay in network as much as possible, then go with the very first choice with the $1300 deductible - because if you stay in-network as much as you can, you won't even come close to having to pay anywhere near the $1300.

You've got to find out exactly what the deductible pertains to before you can make a real decision.

Good luck!