What about deductibles and office visits costs? I am healthy, so I don’t know..
There were some minor technical changes to the plan, but deductibles and co-pays are the same. All the providers our employees use are still in network. No obvious decreases in benefits.
Because we are a very small group, and insurers in our state tend to reconfigure the plans every year, we normally get shifted to a new plan, and receive all new cards. But no shifts requiring creating a new plan, and issuing new cards.