Hello,
I am in my mid 20s and looking to enroll in my employers heath care coverage. In the past, I have went with HSA eligible HDHPs and maxed out my HSA since I rarely visit the doctor (employer does not contribute to HSA). However, this year I noticed that the PPO plans my employer offered were really similar in price and had a significantly lower OOPM for Out of Network care – the HSA out of network OOPM were 25-32k. Ideally, I would never use an out of network provider, but I was worried that an emergency could leave me with no other option, and I could end up with a bill I can’t pay.
I have listed some details below regarding the plans that were offered. I would appreciate any advice / opinions that anyone has on what plan would be best. Thanks in advanced!
Plan Name: PPO 2000 PPO 3000 HSA 4000 HSA 6350 Premium (Pay period / Annual): 111 / 2,879 78 / 2,023 95 / 2,473 60 / 1,567 Deductible (In Network / Out of Network): 2,000 / 4,000 3,000 / 6,000 4,000 / 8,000 6,350 / 12,700 OOPM (In N / Out N): 5,000 / 10,000 8,150 / 16,300 4,000 / 32,000 6350 / 25,400 HSA Eligible: No No Yes Yes
submitted by /u/WSBTITAN
[link] [comments]Hello, I am in my mid 20s and looking to enroll in my employers heath care coverage. In the past, I have went with HSA eligible HDHPs and maxed out my HSA since I rarely visit the doctor (employer does not contribute to HSA). However, this year I noticed that the PPO plans my employer offered were really similar in price and had a significantly lower OOPM for Out of Network care – the HSA out of network OOPM were 25-32k. Ideally, I would never use an out of network provider, but I was worried that an emergency could leave me with no other option, and I could end up with a bill I can’t pay. I have listed some details below regarding the plans that were offered. I would appreciate any advice / opinions that anyone has on what plan would be best. Thanks in advanced! Plan Name: PPO 2000 PPO 3000 HSA 4000 HSA 6350 Premium (Pay period / Annual): 111 / 2,879 78 / 2,023 95 / 2,473 60 / 1,567 Deductible (In Network / Out of Network): 2,000 / 4,000 3,000 / 6,000 4,000 / 8,000 6,350 / 12,700 OOPM (In N / Out N): 5,000 / 10,000 8,150 / 16,300 4,000 / 32,000 6350 / 25,400 HSA Eligible: No No Yes Yes submitted by /u/WSBTITAN [link] [comments]Read Morer/HealthInsurance