You should make sure your physician and specialist (if you have doctors prefered) are in the network of the plan. Most plans have different options depending on in or out network. If you choose out network physician you should pay more out of pocket (check the deductible). I have an employer-sponsored plan, pay monthly premium, copay for doctors visit, lab work and medication. I have had this plan before I was diagnosed hep b so no preexisting condition at that time. Now I take entecavir 1 mg, very much covered by insurance (~1500$ per month), but I was taking baraclude (brand entecavir) for severel month ( out of pocket payment difference was 1:5=entecavir:baraclude at that time but the ratio changed to 1:70). That is why I am taking entecavir even though I would prefer baraclude. It is better to look carefully the medication option because we are dependent on antiviral.
Also, I heard that changes are done for upcoming year, so see what they cover, and choose which best fits to you
It's up to you, I have health first, and I didn't pay anything, for blood test, ultrasound, no medication treatment
Here are the rates
Individual
Insurance Carriers Code Rate Code Rate
AETNA/US HEALTHCARE EPO F1 $73.57
*** (OPTIONAL RIDER) F6 $181.12
CIGNA HEALTH CARE B1 $278.79
*** (OPTIONAL RIDER) B6 $382.36
DC-37 MED-TEAM/CHOICE 4A $0.00
EMPIRE EPO 6H $257.49
EMPIRE HMO NEW YORK B1 $98.90
GHI-CBP (BASIC) 1A $0.00
* (OPTIONAL RIDER) KA $2.95
GHI HMO W6 $ 49.45
*** (OPTIONAL RIDER) X6 $139.38
HIP PRIME-HMO (BASIC) 11 $0.00
HIP PRIME-HMO
** (OPTIONAL RIDER) 31 $2.63
HIP Prime POS 6M $302.75
*** (OPTIONAL RIDER) 6N $545.63