Hi all. I didn’t get a response on r/personalfinance so apologies for the crosspost. I tried using the Google sheet that is on that sub but got confused because my PPO option has copays, not coinsurance. And generally I don’t know if I should go for the HDHP or PPO at my new job… any help is really appreciated.
I’m not sure if I’m healthy enough despite being in my 20s where a HDHP makes sense? My last job was a PPO but I didn’t pay anything out of my paycheck so it was easy to just do that. I have a neurological issue and ADHD (so an rx for that). I usually meet with my primary care doctor monthly and a specialist every month or so. I’m also very active and while I haven’t had injuries in the past year, in 2019 I had 3 injuries requiring PT. So I could go to the doctor often, or very minimally.
HSA (in/out network) – $0 out of pay
Deductible: $2k/ 4k
Max OOP: $4k/$8k
Primary Care/Specialist/Urgent Care/Labs: 10% after deductible / 30% after deductible
Rx: Only covers in network, $10 generic after deductible, $30 preferred brand after deductible
$375 contributed into HSA by employer
PPO (in/out) – $150/month out of pay
Deductible: $0/$2k
Max OOP: $5k/$12k
Primary Care/Lab copay: $15
Specialist/Urgent Care copay: $45
Rx: $15 generic, $30 preferred, only covers in network
submitted by /u/lilthrowawaylol
[link] [comments]
Hi all. I didn’t get a response on r/personalfinance so apologies for the crosspost. I tried using the Google sheet that is on that sub but got confused because my PPO option has copays, not coinsurance. And generally I don’t know if I should go for the HDHP or PPO at my new job… any help is really appreciated. I’m not sure if I’m healthy enough despite being in my 20s where a HDHP makes sense? My last job was a PPO but I didn’t pay anything out of my paycheck so it was easy to just do that. I have a neurological issue and ADHD (so an rx for that). I usually meet with my primary care doctor monthly and a specialist every month or so. I’m also very active and while I haven’t had injuries in the past year, in 2019 I had 3 injuries requiring PT. So I could go to the doctor often, or very minimally. HSA (in/out network) – $0 out of pay Deductible: $2k/ 4k Max OOP: $4k/$8k Primary Care/Specialist/Urgent Care/Labs: 10% after deductible / 30% after deductible Rx: Only covers in network, $10 generic after deductible, $30 preferred brand after deductible $375 contributed into HSA by employer PPO (in/out) – $150/month out of pay Deductible: $0/$2k Max OOP: $5k/$12k Primary Care/Lab copay: $15 Specialist/Urgent Care copay: $45 Rx: $15 generic, $30 preferred, only covers in network
submitted by /u/lilthrowawaylol [link] [comments]Read Morer/HealthInsurance