r/HealthInsurance • u/Starlight-Seeker • Jul 27 '25

Plan Choice Suggestions How Screwed Am I?

My employer is changing from Cigna to Planstin Administration which is apparently something called a reference based pricing plan. What is this? Please explain this to me in the simplest terms possible.

My benefits manager said that before every single doctor's appointment and every single test (labs, x-ray, etc), I'll need to contact Planstin's Care Coordination Team. I have multiple chronic medical conditions. I see a lot of specialists, get a lot tests done, and take multiple prescriptions.

How screwed am I with this type of health insurance?

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u/branchymolecule Jul 27 '25

The employees will have to spend half the day on the phone trying to find a provider who will see them for an affordable price while the company falls further into deficitland.

3

u/Desert-Democrat-602 Jul 28 '25

This is the real cost - how much time do your employees waste during the work day trying to get a doctor who will take this awful excuse for insurance? Factor that in, and there is NO savings at all. Likely the opposite.