Health Insurance Comparison
Healthfirst Catastrophic Plan vs. Fidelis Care Catastrophic Plan
This article provides a detailed look at two catastrophic plans: Healthfirst and Fidelis Care. Catastrophic plans are meant for young and healthy individuals who do not regularly seek medical attention. With both plans, you are responsible for paying a monthly premium and 100% of your medical expenses until the deductible of $8,150 is met. These plans have different in-network hospitals and both offer a partial gym reimbursement. Overall, Fidelis Care seems to be a more cost-effective plan, as it has a lower monthly premium.
Empire BlueCross BlueShield Bronze vs. UnitedHealthcare Bronze
In this article, we help break down two bronze plans: Empire BlueCross BlueShield Bronze and UnitedHealthcare Bronze. Both HMO plans offer very similar services and payment plans. Both plans have a deducible of $5,500, give some reimbursement for a gym membership, and charge 50% coinsurance after deducible for services such as preventative care, primary care, specialty visits and urgent care. While UnitedHealthcare Bronze has better reviews pertaining to customer service satisfaction, the monthly premium for Empire BlueCross BlueShield is over $100 cheaper than that of UnitedHealthcare bronze. This BlueCross BlueShield may be the better option if you need to save money this year on your premiums.¬†
EmblemHealth Silver Bold vs. Oscar Health Saver Silver
In this article, we compare two silver health insurance plans: EmblemHealth Silver Bold and Oscar Health Saver Silver. EmblemHealth is an HMO plan with a significantly higher deductible than Oscar Health, which is an EMO plan. The monthly premiums of these plans are very similar; however, each has different benefits. EmblemHealth offers $200 every 6 months to put towards a gym membership while Oscar does not. However, EmblemHealth requires a referral to see a specialist and Oscar does not require a referral. EmblemHealth and Oscar cover different hospitals in New York City, so you may want to consider your proximity to each hospital when picking a plan. Overall, we recommend Oscar Health's Saver Silver plan as it enables more flexibility and has positive reviews regarding customer service and user satisfaction.
Oscar Health Simple Bronze vs. UnitedHealthcare Compass Bronze
UnitedHealthcare Compass Bronze has a 38%¬†higher monthly premium when compared to Oscar Bronze, however, when it comes to in-network hospital coverage, UnitedHealthcare has more prominent hospitals covered when compared to Oscar. UnitedHealthcare also offers gym reimbursement where Oscar does not. UnitedHealthcare also has a lower deductible when compared to Oscar. UnitedHealthcare is the better option because of the gym reimbursement and better hospital coverage.
Oscar Health Classic Silver vs. UnitedHealthcare Compass Silver- Reviews & Which is best?
UnitedHealthcare has a 25% higher monthly premium than Oscar Health does, not have direct messaging, and you need a referral to see a specialist. However, UnitedHealthcare has more prominent in-network NYC hospitals and includes gym member reimbursement. UnitedHealthcare would be the better option as long as you can pay a little more for the monthly premium and you don't mind needing a referral to see a specialist.
Oscar Health Classic Bronze vs. Empire BlueCross BlueShield Bronze- Reviews & Which is best?
EmpireBlueCross BlueShield bronze has a higher monthly premium and deductible when compared to Oscar Health Classic Bronze. However, EmpireBlueCross also offers more in-network hospital coverage and partial gym reimbursement, making it the better option if you can afford it.
Empire BlueCross Silver Health Plan vs Healthfirst Silver - Reviews & Which is best?
Empire Blue Cross silver plan is the more expensive option that costs almost 39% more than the HealthFirst silver plan. Both plans have a similar deductible and copay amount by design. HealthFirst offers better access to specialists since you would not need a referral while with Empire Blue Cross you would need one from a primary care provider or similar. Though more expensive, the Empire Blue Cross plan does provide access to top-tier research academic medical centers - i.e. NYU Langone. Health¬†First does give you access to Mount Sinai, which is a fine medical institution in NYC. Overall, HealthFirst has very similar features but at a lower cost. We advise that you evaluate your specialist need before picking the right plan.