Got some news that I may need minor surgery in hopes to get pregnant and deliver all within 2022. Our employers do not offer health insurance nor do they contribute to HSA (contract) so everything is out of pocket, and my partner and I have different plans. We are in California. I think the HDHP with HSA may be the better choice and this may be a dumb question, but most I’ve read online says to go with PPO so I am second guessing my logic.
PPO (currently on this plan)
Premium: $422/month
Deductible: $6300
Out-of-pocket limit: $8200
Outpatient surgery or childbirth: 40% coinsurance
HDHP with HSA
Premium: $417/month
Deductible: $7000
Out-of-pocket limit: $7000
Outpatient surgery or childbirth: No charge after deductible
Additional considerations: I may not get pregnant next year. It’s a reality we’ve been facing, but childbirth would contribute a large amount towards deductible. Surgery on insurance cost estimator says about $5k+. This year, I had imaging done from an in-network provider that I paid $5k for, but barely missed reaching my deductible.
In my estimation, if everything goes to plan, it seems the HDHP may be cheaper in the end as I may only pay $7k out-of-pocket for services, while the PPO is $8200 with a higher premium. A difference of $1260 not including the benefits of using an HSA. Even if I do not give birth, having surgery and imaging may surpass the $7k anyway. Am I understanding this correctly or am I missing something?
Thank you so much.
submitted by /u/gray_grey_
[link] [comments]Got some news that I may need minor surgery in hopes to get pregnant and deliver all within 2022. Our employers do not offer health insurance nor do they contribute to HSA (contract) so everything is out of pocket, and my partner and I have different plans. We are in California. I think the HDHP with HSA may be the better choice and this may be a dumb question, but most I’ve read online says to go with PPO so I am second guessing my logic. PPO (currently on this plan) Premium: $422/month Deductible: $6300 Out-of-pocket limit: $8200 Outpatient surgery or childbirth: 40% coinsurance HDHP with HSA Premium: $417/month Deductible: $7000 Out-of-pocket limit: $7000 Outpatient surgery or childbirth: No charge after deductible Additional considerations: I may not get pregnant next year. It’s a reality we’ve been facing, but childbirth would contribute a large amount towards deductible. Surgery on insurance cost estimator says about $5k+. This year, I had imaging done from an in-network provider that I paid $5k for, but barely missed reaching my deductible. In my estimation, if everything goes to plan, it seems the HDHP may be cheaper in the end as I may only pay $7k out-of-pocket for services, while the PPO is $8200 with a higher premium. A difference of $1260 not including the benefits of using an HSA. Even if I do not give birth, having surgery and imaging may surpass the $7k anyway. Am I understanding this correctly or am I missing something? Thank you so much. submitted by /u/gray_grey_ [link] [comments]Read Morer/HealthInsurance