Which Health Insurance is Better?

Question

I only have two options of health insurance that I can afford:

1) NHPGreen Select $139/mo. with limited providers. There are only 2 PCP around where I live, and both of them are far and in dangerous side of the city at a sketchy looking community health center. But the positive side is the plan has a lot of things that are not subject to the deductible. Also cheaper co-payments for PCP office visit ($25) and prescription ($30).

2) Harvard Pilgrim $149/mo. The positive side of this plan is it has a wide selection of PCP and other providers, and there's one well-known doctor that accept this plan just 2-minute walk from my apartment. The downside of this plan is a lot of things are subject to deductible. For example: medical visit is $25 for the first 3 visits, and after that subject to deductible and then 20% coinsurance, prescription is 50% coinsurance.

Which one should I choose? I'm only 25 so I'm pretty healthy, but once in a while I do need to visit a physician for recurring vertigo symptoms. I cannot really afford better health insurance because I'm a full time college student and I can't work because I'm an international student (no work permit).

Answer 1

I have met this sort of situation before,here is the resource I found helpful.http://health-insurance.onlinebestoffer....

Answer 2

If you think that you'll need prescription medication (other than typical illnesses which usually have inexpensive generic options) then I would definitely choose option 1.  They can get quite expensive.  The 50% coinsurance will add up really quickly.

If you don't think that you'll need prescriptions, since you're young and healthy, I'd choose option 2.  The convenience of having a physician close to you is a nice benefit.

I hope I helped.  Good luck in your decision!