Value Plan with HRA or Premium Plan

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Hello – I would love some feedback on plan selection in TX. My husband is being offered FEHB plan options but I have found the site overwhelming and confusing and it doesn’t seem like any of those offer better benefits than my work so the plan is for him to continue being covered through my insurance. We are also expecting our first child Jan 8 and I’m due to have an outpatient surgery this summer. Typically I would continue to pay for the premium coverage but it seems like going with the Value plan would save about $1500 over the course of the year – hence looking for some feedback on if I’m thinking about things correctly. The details are below. Any thoughts would be greatly appreciated:

BCBS Value + HRA Plan In-Network Details:

Annual Premium for family is $1749.88

Deductible: $2000 ind. / $4000 family

OOP Max: $3000 ind./ $6000 family

HRA from employer: $500 ind / $1000 family

30% coinsurance in-network / 30 – 50% coinsurance out-of-network

BCBS Premium Plan In-Network Details:

Annual Premium for family is $6052.93

Deductible: $500 ind. / $1000 family

OOP Max: $1000 ind./ $2000 family

HRA from employer: NONE

10% coinsurance in-network / 30% coinsurance out-of-network

submitted by /u/Even_Performer
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Hello – I would love some feedback on plan selection in TX. My husband is being offered FEHB plan options but I have found the site overwhelming and confusing and it doesn’t seem like any of those offer better benefits than my work so the plan is for him to continue being covered through my insurance. We are also expecting our first child Jan 8 and I’m due to have an outpatient surgery this summer. Typically I would continue to pay for the premium coverage but it seems like going with the Value plan would save about $1500 over the course of the year – hence looking for some feedback on if I’m thinking about things correctly. The details are below. Any thoughts would be greatly appreciated: ​ BCBS Value + HRA Plan In-Network Details: Annual Premium for family is $1749.88 Deductible: $2000 ind. / $4000 family OOP Max: $3000 ind./ $6000 family HRA from employer: $500 ind / $1000 family 30% coinsurance in-network / 30 – 50% coinsurance out-of-network ​ BCBS Premium Plan In-Network Details: Annual Premium for family is $6052.93 Deductible: $500 ind. / $1000 family OOP Max: $1000 ind./ $2000 family HRA from employer: NONE 10% coinsurance in-network / 30% coinsurance out-of-network
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