Bad news

Today I received some bad news at work. As of April 1, 2010 we have changes to our health insurance. So I am asking for help in deciding what insurance plan to go with. I will do my best to explain each one.

Anthem Traditional Plan (I have this one now.) But the change is I will have a $500 deductible. That was always waved because I did not smoke. (I knew I should not have started last month) After you meet the deductible it is $2000 out of pocket maximum. Physicians office visit after deductible is met is 20% for me, specialists is 20%, preventive is zero for 1 office visit, emergency room is 20%, hospital admit is 20%, prescriptions count in the deductible, and are $10 generic after deductible, formulary is 20% $30 min.

Aetna: $600 deductible, %5500 out of pocket max, $25 copay for physician visit, $45 specialists, Preventive care $25 copay then 100% up to $500 calendar year max., emergency room $150, then 20%, Hospital $350 co pay admission then 20%, Prescription Generic 15% with $10 min and $20 max, Formulary 25% with $30 min and 60 max.

Consumer Choice Plan PPO, $1500 deductible, $5000 out of pocket max, 20% physician visit, preventive care 0 no deductible or copay, 80% after deductible for emergency room, Hospital 20% Prescription Generic 20%, Formulary $20. This ACS would put $45 a month into a HSA and we could put in what we want.

Now I do not understand all this garbage so which one is better?

I see a doctor once a year for a physical, I have to have managrams every 6 months. I do not take any prescriptions now. But I am highly scared of an emergency room trip.