trying to decide between these two plans at work.
HSA pan seems cheapest in most cases. My spouse has medical conditions and sees a specialist about 6 times a year, and has blood tests about 3-4 times a year, has 5 generic prescriptions, and seems t end up in the emergency room or urgent care every few years, or needs some procedure like an endoscopy or imaging.
The only way I see the PPO saving money is if she and only she meets her OOP max, and that rarely happens.
The way I see it we would need 20+ doctors visits to make the co-pay be a better deal.
HSA PPO Deductible Individual NA 750 Deductible Family 3000 1500 Out-of-Pocket Max Individual NA 4250 Out-of-Pocket Max Family 7500 8500 Co-Pay GP 20% after deductible 30 Copay* Co-Pay specialist 20% after deductible 60 Copay* Hospital 20% after deductible 150 Copay* Urgent Care 20% after deductible 30 Copay* Prescription 20% after deductible 20% NO deductible Most other stuff 20% after deductible 20% after deductible HSA Employer contributions 750 (FSA) Difference Cost per check 154.11 214.7 60.59 Month 308.22 429.4 121.18 Year 4006.86 5582.2 1575.34 After Employer contributions (HSA) 3256.86 5582.2 2325.34 TOTAL At Individual deductible 6256.86 6332.2 75.34 TOTAL At deductible 6256.86 7082.2 825.34 TOTAL MAX out of pocket 10756.86 14082.2 3325.34 MAX out of pocket Individual 10756.86 9832.2 -924.66 * Does not count toward deductible
submitted by /u/Citonit
[link] [comments]trying to decide between these two plans at work. HSA pan seems cheapest in most cases. My spouse has medical conditions and sees a specialist about 6 times a year, and has blood tests about 3-4 times a year, has 5 generic prescriptions, and seems t end up in the emergency room or urgent care every few years, or needs some procedure like an endoscopy or imaging. The only way I see the PPO saving money is if she and only she meets her OOP max, and that rarely happens. The way I see it we would need 20+ doctors visits to make the co-pay be a better deal. HSA PPO Deductible Individual NA 750 Deductible Family 3000 1500 Out-of-Pocket Max Individual NA 4250 Out-of-Pocket Max Family 7500 8500 Co-Pay GP 20% after deductible 30 Copay* Co-Pay specialist 20% after deductible 60 Copay* Hospital 20% after deductible 150 Copay* Urgent Care 20% after deductible 30 Copay* Prescription 20% after deductible 20% NO deductible Most other stuff 20% after deductible 20% after deductible HSA Employer contributions 750 (FSA) Difference Cost per check 154.11 214.7 60.59 Month 308.22 429.4 121.18 Year 4006.86 5582.2 1575.34 After Employer contributions (HSA) 3256.86 5582.2 2325.34 TOTAL At Individual deductible 6256.86 6332.2 75.34 TOTAL At deductible 6256.86 7082.2 825.34 TOTAL MAX out of pocket 10756.86 14082.2 3325.34 MAX out of pocket Individual 10756.86 9832.2 -924.66 * Does not count toward deductible submitted by /u/Citonit [link] [comments]Read Morer/HealthInsurance