It's benefits enrolment time and my wife and I are planning to get pregnant next year. We're in the same company but on separate individual insurance plans right now. We are wondering whether it would be beneficial for her to choose a HDHP with HSA for the pregnancy next year or go with a PPO. I believe it all boils down to math but I'm not sure how it works. Can someone please explain to me? Below are the details.
HDP with HSA: Premium: $300 Individual Deductible: $1,800 in-network / $3,600 out Family Deductible: $3,600 in-network / $7,200 out OOPM Individual: $3,250 in-network / $6,500 out OOPM Family: $6,500 in-network / $13,000 out Coinsurance: 20% in-network / 40% out Primary care visit: 20% in-network / 40% out Specialist visit: 20% in-network / 40% out Employer HSA contribution: $500
PPO: Premium: $900 Individual Deductible: $1,100 in-network / $2,200 out Family Deductible: $3,300 in-network / $6,600 out OOPM Individual: $3,300 in-network / $6,600 out OOPM Family: $6,000 in-network / $12,000 out Coinsurance: 20% in-network / 40% out Primary care visit: $20 copay in-network / 40% coinsurance out Specialist visit: $35 in-network / 40% out
Thanks a lot !
Submitted November 21, 2024 at 12:57AM by Current_Question681 https://ift.tt/oG5MUHZ
