Question:

Which insurance plan should I choose?

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my job offers three different plans:

1. an HMO that has a $20 copay at the doctors office

2. Lumenos basic-no copay at the doctor, and the company gives me $1000 toward doctors office visits, preventative care such as mammograms and pap smears do not come off that $1000, when that $1000 is used I have a deductible of $1000, then the plan pays 80%

3. Lumenos enhanced-same as above only the deductible is $500, then the plan pays 80%

If I don't use the whole $1000, it rolls over to the next year when they add another $1000.

With my life insurance, dental plan, and vision, the total out of each paycheck would be $20 with the HMO, $17 with the Lumenous basic, and $25 with the Lumenous enhanced.

I went with Lumenous basic, but I have 30 days to change my mind, if anyone has Lumenous, how do you like it?

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3 ANSWERS


  1. none insurance in america sucks!


  2. May be you should try some private agencies in your area to find out more..

  3. The HMO is best if it covers 100 percent of your medical care should you become sick or injured.  If the HMO pays less than 80 percent then plan number 2 is your best option.

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