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OPTUM : 19.5 + 90k (pf) + 2.9 (variable) + 2 (joining bonus) + 60k (relocation bonus)
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ZS ASSOCIATES: 21(Fixed including PF) + 2.1(variable) + 1.5 (joining bonus) + 70k (relocation bonus)
Location : Pune
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Chief
I hate Aetna as an insurance provider but I use One Medical so it’s less of a headache
I don't go to the doctor much but I have Aetna and like it
Pro
Each insurance company has a bunch of networks and they don’t all include the same doctors - you have to check which one you’re signing up for. A doctor might take one Blue Cross plan but not another.
I’ve got blue cross blue shield and I like it. Tons of providers and low monthly costs
McK1 is spot on with the question, I feel the benefits and premiums offered to me by these 3 providers and my company are comparable... was just trying to see if one of the providers is exceptionally easy to work with or not user friendly or etc.
I previously had Cigna and they were ok, took a long time to process claims. My mom has blue cross blue shield and complains about it all the time.
Chief
I have had all three. CIGNA and Aetna are pretty similar. I had Blue Cross Blue Shield along time ago and like them better because they did not require you to jump through as many hoops to get certain prescription medication‘s. But that was many years ago and they may have made it more difficult since I have had them maybe eight years ago
You can’t pick a plan on carrier alone. You should be considering price, benefits, and network. Blue Cross is a non-profit so they have slightly more care for the policyholder but these carriers are largely the same in terms of level of customer service.
Really depends on the monthly premium, deductible, and providers in network. In most cases, you’re not filing medical claims yourselves, your doc submits it on your behalf (I’ve never had to file a claim myself).
I’d say, also consider if you do travel what your in network provider list looks like outside of NYC.
Is this for work? I thought normally companies partner with at most 1 of them to provide employer-sponsored insurance; so you’d most likely get your dental and vision by the same medical insurance provider (but not always the case).
(I’m speaking as someone who’s had all 3, but really different experiences based on what my company set as the premium and deductible)
Similar question: Assuming premiums and deductibles are similar across, do any of these insurers have generally better or worse networks of providers in NYC?
For example, I know generally (not NYC-specific, but have seen this in many cities in the US) most mental health practitioners are out-of-network for Cigna but in-network for BCBS. Haven't seen such a major discrepancy between insurers for other types of care in other cities, but curious how it is in NYC for regular medical/dental?