Originally Posted by Mr. Plow
I should have clarified.
The two plans listed were plans that I can choose from NOW. The plan on the left is essentially the same plan I currently have (but have to resign up for). The only differences I've been able to see between my current plan & the plan on the left is that there is no lifetime max & my kids can be on it until they are 26. Add to the fact that the price of the plan on the left is exactly the cost of what I'm paying now and it's baffling as to why I need to switch.
The plan on the right is the next step up plan from the one on the left. $40 extra a month, but some of the copays & prescription stuff is going to make me pay the extra because I'll save the difference in a year just from some of the prescriptions.
Ok that makes sense.
Unless you buy alot of drugs I would go with the one on the left. Lower deductible and your coinsurance maximum is alot smaller as well as your out-of-pocket maximum.