For the first time, either in a really long time or possibly ever, I have a choice as to what health insurance I will use. When I was first diagnosed with T1 I was already enrolled in Aetna while working at Brown Brothers and there was no way I was going to try and change insurance plans. At Darden my coverage with Aetna continued under their student health plan and really it was either use that plan or go it alone and try and buy something off the street (not really an option). However, now that I've FINALLY FOUND POST-MBA EMPLOYMENT (more on my dream job later this week) I need to figure out which insurance plan to go with.
The choices
Anthem Blue Cross PPO - $20 co-pay
Kaiser Plan 20
The most important part of my coverage is prescription cost. The Anthem plan will have me paying $15 for generics (does Novolog even come in generic?), $25 for brand name with a $250 annual deductible. Kaiser's cost structure is $10 for generics, and $60 for brand name at a 100 day supply through their mail order service.
Does anyone have experience filling Medtronic or Dexcom orders with these plans? Anne of annetics.blogspot.com loves her Kaiser plan but its a different one than what my future employer (unveiled later this week) is offering. Not sure what else I need to look out for - any advice would be awesome!
The choices