Is this health insurance plan any good?
36 year old single male
United Healthcare (A+rated)
Copay Plus Plan
PPO
1500 deductible
172/mo single
Coinsurance after deductible:
I pay 20% to $2,000
They pay 80% to $8,000 then 100%
Lifetime max benefit: $3million
Initial Rate Guarantee: 12 mos
Doctor office visit: not subject to deductible, $35 copay, xray and lab 80%
Prescriptions: Generic $20 copay, Name-brand: $50 copay, Name-brand copay is after $250 per person, calendar year deductible. If Generic is available, name-brand reimbursed at Generic price.
Surgeon, and facility fees: 80%
Radiation, chemotherpay, and organ transplant drugs: 80%
Cat scans, MRIS: 80%
Emergency Room fees: illness 80%,$100 copay if not admitted injury: 80%
other outpatient expenses: 80%
Other: 80%
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