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What is the difference in coverage between the two insurances? - Transcender

Posted: Nov 12, 2012

They both seem to have exactly the same coverage, same deductible, etc. I can't figure out the difference between the two plans.

One is a health savings acct, one traditional BC/BS - Both are terrible. Thanks Transcend.

[ In Reply To ..]
At this rate we should all quality for food stamps and medicaid.

I still don't understand. I thought that a health savings - Transcender

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account you got to spend towards any covered medical expenses. So why does that show $2500 deductible plus % coverages after that? I am totally confused.

Its not just Nuance - anon

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Lots of companies have high deductibles now, premiums are increasing across the board in health care.

Me either - except for premium

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I was trying to figure out this morning why the premium is almost half for one plan but both plans have the same coverage. The HSA plan with the HSA seems like the best deal if they truly have the same coverage. I didn't opt for the FSA last year with Nuance because if I left I would forfeit all of the money I had put into it, but with an HSA you can take it with you if you change jobs so that is definitely a better option with this company.

One difference is pharmacy benefit (sm) - Bindi

[ In Reply To ..]
I am not totally clear on this but the Blue Care Elect Preferred offers pharmacy program not subject to deductible. In other words, you do not have to satisfy your complete deductible before reaping benefits of pharmacy plan. The Blue Care Elect Saver (with HSA)makes the pharmacy plan subject to deductible.

This pharmacy benefit was addressed in the "conference call" or whatever it is called which is available to listen to on the NTS website.

What about mammograms, etc.? - Bindi

[ In Reply To ..]
I understand that an annual visit is 100% free, but what about things like a mammogram. Also, are the labs that would go along with that annual visit cost free?

Mammograms are considered preventative care and are SUPPOSE - to be free regardless of provider, company or plan

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