Since switching employers, my husband and I have also switched insurance providers. We chose a PPO plan from Aetna because it was the plan with the most flexibility, but I wanted to write a follow up to my original review of Lumenos CDHP so that I can give some more concrete comparisons. Keep in mind that our situation (a healthy, relatively young couple, with no chronic health problems) may be different from yours. Still, overall, I still much prefer Lumenos, as you’ll see below. I plan on updating the table as things arise.
|Copay||Requires a co-pay of about $10 for most medical visits. This is fine, not too big of a complaint.||No co-pay. Also, all preventive care covered at 100% at no cost to you.|
|Website ease of use||Only participant can register on website, not dependents.
Choosing your plan from a menu list of options is confusing when searching for a doctor.
|Participant and all dependents have independent logins and privacy. Participant can’t view dependents’ records.
Simple list of doctors within network right from website’s front page
|Vision||N/A – covered separately by VSP||Covered exams for glasses and contacts as well as a year’s supply of contacts and glasses and lenses once per 12 months from any remaining HRA allocation. (This also compares favorably against the VSP plan that we have.)|
Last updated: 05/31/2006