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/MountainFriend7473 Jul 27 '25 edited Jul 27 '25

I’d look into marketplace plans because it would be one thing if you had an annual check and a blood draw and that was it. But that’s so much effort on your end at this point if you’re looking at much more specialized care than that.

Or I’d look for another job all in all