I've done my research into whether I should pick an HDHP or PPO plan through this sub and others, but it seems that the most efficient course of action is to ask directly with my specific plan choices. Here goes nothing...
Context:
I have 3 specialist appointments for early next year, each relating to a separate chronic (but probably not incurable) issue. I don't know how many times I'll need to go back to them or what procedures they will provide for me. Other than the occasional cold or allergies, I'd like to think I'm relatively healthy (other than those issues of course). These are both plans provided by my workplace.
HDHP + HSA:
- $1,850 deductible
- $3,500 OOP max
- $1,000 yearly premiums
- $500 employee contribution
- 80% specialist visits
PPO
- $400 deductible
- $2,200 OOP max
- $3,000 yearly premiums
- no employee contribution
- $40 specialist visits
Update: I'm sticking with the HDHP. So much logical support for it in the comments, it makes no sense to oppose it.
Submitted November 02, 2018 at 08:20PM by otherwisebeach https://ift.tt/2qycvqt
