Sanity check of HSA plan vs PPO plan cost(s)

Hello,

So I just started at my new company and part of that is signing up for their healthcare plan. I have a choice between a PPO plan and an HSA plan where the company contributes $x to the HSA as well.

Am I reading this right, that in the worst-case scenario is that the HSA is cheaper?

PPO HSA Yearly Premiums $3158.40 $2162.40 Deductible $1000 $2000 OOP Max $4500 $4000 Worst-case (premium + OOP max) $7658.40 $6162.40

In addition, I also have to take specialty medication, being that the HSA and the PPO are from the same provider, is it safe to assume that the medication would be covered by the HSA plan as well? (I’m actually on the PPO plan of this insurance company as of today but that will change Feb 1st, but they cover the medication).

I appreciate any help!

submitted by /u/Valashi
[link] [comments]Hello, ​ So I just started at my new company and part of that is signing up for their healthcare plan. I have a choice between a PPO plan and an HSA plan where the company contributes $x to the HSA as well. Am I reading this right, that in the worst-case scenario is that the HSA is cheaper? ​ PPO HSA Yearly Premiums $3158.40 $2162.40 Deductible $1000 $2000 OOP Max $4500 $4000 Worst-case (premium + OOP max) $7658.40 $6162.40 In addition, I also have to take specialty medication, being that the HSA and the PPO are from the same provider, is it safe to assume that the medication would be covered by the HSA plan as well? (I’m actually on the PPO plan of this insurance company as of today but that will change Feb 1st, but they cover the medication). ​ I appreciate any help! submitted by /u/Valashi [link] [comments]Read Morer/HealthInsurance

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