Traditional Aetna plan vs. Aetna HSA plan?

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I just started a new job and have the option of choosing from either a traditional health insurance plan or an HSA plan (both offered by Aetna). I have uploaded copies of the summaries for both plans below:

Traditional plan:

https://smallpdf.com/shared#st=7abf5335-8bf6-484b-a3a6-3621f86026b4&fn=_2021+Aetna+Traditional+Plan.pdf&ct=1610440607400&tl=share-document&rf=link

HSA plan:

https://smallpdf.com/shared#st=b062aa4b-574b-4c1c-9c65-159b700bd77d&fn=2021+Aetna+Health+Savings+Plan.pdf&ct=1610440653780&tl=share-document&rf=link

At this point, I’m just trying to decide which plan I’d be better off signing up for. What I’m confused by is the fact that for Tier 3 (out of network) providers, the Traditional plan has a lower deductible with a higher OOP maximum, while the HSA plan has a lower deductible but a higher OOP maximum.

The reason I’m caught up on the above is because I’m planning on having a relatively major surgery done within the next year, and I might go to a Tier 3 provider for the surgery. If that ends up being the case, would I be better off going with the Traditional plan since the deductible is lower?

Thanks

submitted by /u/ThinkingPharm
[link] [comments]
I just started a new job and have the option of choosing from either a traditional health insurance plan or an HSA plan (both offered by Aetna). I have uploaded copies of the summaries for both plans below: Traditional plan: https://smallpdf.com/shared#st=7abf5335-8bf6-484b-a3a6-3621f86026b4&fn=_2021+Aetna+Traditional+Plan.pdf&ct=1610440607400&tl=share-document&rf=link HSA plan: https://smallpdf.com/shared#st=b062aa4b-574b-4c1c-9c65-159b700bd77d&fn=2021+Aetna+Health+Savings+Plan.pdf&ct=1610440653780&tl=share-document&rf=link At this point, I’m just trying to decide which plan I’d be better off signing up for. What I’m confused by is the fact that for Tier 3 (out of network) providers, the Traditional plan has a lower deductible with a higher OOP maximum, while the HSA plan has a lower deductible but a higher OOP maximum. The reason I’m caught up on the above is because I’m planning on having a relatively major surgery done within the next year, and I might go to a Tier 3 provider for the surgery. If that ends up being the case, would I be better off going with the Traditional plan since the deductible is lower? Thanks
submitted by /u/ThinkingPharm [link] [comments]Read Morer/HealthInsurance

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