I would have several questions answered berfore I made a choice.
1. What is the premium for each plan?
2. How are your current drugs covered, generic or brand name?
3. Insulin pump? If yes, how are the supplies handled, from current source ie pump company, DME provider, ect. Are certain companies easier to get coverage for?
4. What is the co pay for a specialist visit? Endo's and ophthalmologist are covered as specialists.
Looks like the plans are very good in terms of co pays and coverages. I myself would lean to either the OAP 250 plan or either of the HMO plans, depending on above questions and the premiums you would pay. The out of pocket max per year comes in handy when you buy insulin pump supplies if you hit the max over the year you may come close or over the max, then coverage is at 100%. I had eye surgery several years ago, hit my out of pocket max just after the first eye was done. I was able to get an insulin pump at no charge because I hit the max for the year!
Learn to let the system work for you, not you working for the system!