Need help in deciding which plan to go with at new job

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Long story short is that I am starting a new job and I’m trying to decide which of the 2 plans to go with. My gut is saying one thing, but I want other opinions.

Also, I have this extremely annoying back thing that I have had for over 2 years now. I’ve had about 5 different procedures so far and I still have back pain. My doc wants to do a discogram within the next few months. Also, I tend to go to physical therapy a decent amount to help with all my body issues that I got going on. If I have something going on with my health, I have no issues going to the doctor so I definitely use the health insurance.

HDHP+HSA

  • Cost: $45/paycheck
  • In network deductible: $3000
  • Out of network deductible: unclear, but I think it is $3000
  • Max out of pocket: $6000
  • HSA/FSA info: HSA is available, and I would plan on maxing it out per year
  • Other: employer contributes $19/paycheck for the HSA

PPO

  • Cost: $138/paycheck
  • In network deductible: $1500
  • Out of network deductible: unclear, but I think it is $1500
  • Max out of pocket: $4500
  • HSA/FSA info: FSA is available, and I would put about $1,000 in per year (~$38/paycheck) since it doesn’t roll over
  • Other: $30 office visits

submitted by /u/incognitoburrito79
[link] [comments]
Long story short is that I am starting a new job and I’m trying to decide which of the 2 plans to go with. My gut is saying one thing, but I want other opinions. Also, I have this extremely annoying back thing that I have had for over 2 years now. I’ve had about 5 different procedures so far and I still have back pain. My doc wants to do a discogram within the next few months. Also, I tend to go to physical therapy a decent amount to help with all my body issues that I got going on. If I have something going on with my health, I have no issues going to the doctor so I definitely use the health insurance. HDHP+HSA
Cost: $45/paycheck In network deductible: $3000 Out of network deductible: unclear, but I think it is $3000 Max out of pocket: $6000 HSA/FSA info: HSA is available, and I would plan on maxing it out per year Other: employer contributes $19/paycheck for the HSA
PPO
Cost: $138/paycheck In network deductible: $1500 Out of network deductible: unclear, but I think it is $1500 Max out of pocket: $4500 HSA/FSA info: FSA is available, and I would put about $1,000 in per year (~$38/paycheck) since it doesn’t roll over Other: $30 office visits

submitted by /u/incognitoburrito79 [link] [comments]Read Morer/HealthInsurance

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