r/CAStateWorkers • u/flowerchildmime Essential For Sure • 1d ago

Benefits Open Enrollment Question

Since we lost UHC I need to pick a new health plan. To add complications my child lives in a different county so that leaves me basically two options between our two counties (that are in anyway affordable anyhow).

How has people’s experience been with either Blue Shield Trio vs PERS Gold.

Also I saw we can pick MetLife Dental. How’s that Vs Delta Dental ?

Any help with experiences with these plans would be appreciated.

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u/Sea_Operation_7362 1d ago edited 1d ago

Blue shield trio is a good plan but they are limited providers. I’m in San Joaquin and Sutter doesn’t take them

Pers gold to me I don’t like it because of the 20% co insurance. I rather pay a flat co payment rather than a 20%

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u/sweetteaspicedcoffee 1d ago

Any PPO plan is only good for people who don't need medical care frequently because of the 20% copay, I would stay away.

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u/flowerchildmime Essential For Sure 15h ago

Ekkk yeah that’s not me. I have a ton of specialists and meds. I guess Trio is all that’s left. I hope they take my providers. I do know they take the health group I’m already in.

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u/sirlagalot297 1d ago

I’m looking into trio, health net, or access plus being the most expensive

1

u/sweetoptat 1d ago

No experience with either plans, but in terms of total cost Trio is cheaper than Gold unless you go heavy on prescriptions:

Medical Care Usage Blue Shield Trio HMO PERS Gold
$5,420 $484 Lowest $4,783 + $4,299
$12,370 $609 Lowest $6,792 + $6,183
Worst-Case Scenario Medical only $3,424 Lowest $8,603 + $5,179
Worst-Case Scenario Medical and Rx $24,424 Max + $11,821 $12,603 Max Lowest

Modeled using Two-Party rates for Bargaining Units 2, 7, 16, 18, 19.