ppo vs hsa reddit

We’ll also explore the pros and cons of each to help you make the best healthcare decision for you. The two plan types listed are PPO and HSA. Join our community, read the PF Wiki, and get on top of your finances! Employer contributes $750 to HSA. I am hoping someone here can help me figure out the right plan for my health insurance. HDHP's usually cost less each month in premiums, but as the name suggests, you have a high deductible before insurance starts paying anything. The plan specifications are as follows: Annual Deductible: $1,500 Individual /// $4,500 Family. The PPO is; deductible $1k, OOP Max $4800, small co-pays for common stuff and 20% co-insurance for anything else. .Rd5g7JmL4Fdk-aZi1-U_V{transition:all .1s linear 0s}._2TMXtA984ePtHXMkOpHNQm{font-size:16px;font-weight:500;line-height:20px;margin-bottom:4px}.CneW1mCG4WJXxJbZl5tzH{border-top:1px solid var(--newRedditTheme-line);margin-top:16px;padding-top:16px}._11ARF4IQO4h3HeKPpPg0xb{transition:all .1s linear 0s;display:none;fill:var(--newCommunityTheme-button);height:16px;width:16px;vertical-align:middle;margin-bottom:2px;margin-left:4px;cursor:pointer}._1I3N-uBrbZH-ywcmCnwv_B:hover ._11ARF4IQO4h3HeKPpPg0xb{display:inline-block}._2IvhQwkgv_7K0Q3R0695Cs{border-radius:4px;border:1px solid var(--newCommunityTheme-line)}._2IvhQwkgv_7K0Q3R0695Cs:focus{outline:none}._1I3N-uBrbZH-ywcmCnwv_B{transition:all .1s linear 0s;border-radius:4px;border:1px solid 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16px}._2QmHYFeMADTpuXJtd36LQs,._2QmHYFeMADTpuXJtd36LQs._2ilDLNSvkCHD3Cs9duy9Q_{font-weight:700;letter-spacing:.5px;text-transform:uppercase}._2QmHYFeMADTpuXJtd36LQs._2ilDLNSvkCHD3Cs9duy9Q_{font-size:12px;line-height:24px;padding:4px 9px 2px;width:100%}._2QmHYFeMADTpuXJtd36LQs:hover ._31L3r0EWsU0weoMZvEJcUA{display:none}._2QmHYFeMADTpuXJtd36LQs ._31L3r0EWsU0weoMZvEJcUA,._2QmHYFeMADTpuXJtd36LQs:hover ._11Zy7Yp4S1ZArNqhUQ0jZW{display:block}._2QmHYFeMADTpuXJtd36LQs ._11Zy7Yp4S1ZArNqhUQ0jZW{display:none}._2CLbCoThTVSANDpeJGlI6a{width:100%}._2CLbCoThTVSANDpeJGlI6a:hover ._31L3r0EWsU0weoMZvEJcUA{display:none}._2CLbCoThTVSANDpeJGlI6a ._31L3r0EWsU0weoMZvEJcUA,._2CLbCoThTVSANDpeJGlI6a:hover ._11Zy7Yp4S1ZArNqhUQ0jZW{display:block}._2CLbCoThTVSANDpeJGlI6a ._11Zy7Yp4S1ZArNqhUQ0jZW{display:none} Does your HSA offer any contribution matching? Outside of preventative care, you may have to spend 2 or even 3K (maybe more) before your insurance pays anything. User account menu • Best HSA Account for Stock Trading. Since your deductible is higher in an HSA based plan, you and your employer will save money….le’t say that by moving to a $1,500 deductible, you and your employer now pay $5,000 a year instead of the $6,000 a year in the co-pay plan. I really, really appreciate the help because my husband and I don't understand insurance and I've never been pregnant before. Sometimes it's a seemingly subtle difference in coverage that can make a big difference, like which doctors/facilities are "in network" for each plan, or how prescriptions are handled. and have a question. Edited to add your HR dept will help you figure out what’s covered on each plan if you’re having trouble. PPO's provide co-pays for a lot of services, which for people who need constant care but not really expensive care this can result in savings. ._2cHgYGbfV9EZMSThqLt2tx{margin-bottom:16px;border-radius:4px}._3Q7WCNdCi77r0_CKPoDSFY{width:75%;height:24px}._2wgLWvNKnhoJX3DUVT_3F-,._3Q7WCNdCi77r0_CKPoDSFY{background:var(--newCommunityTheme-field);background-size:200%;margin-bottom:16px;border-radius:4px}._2wgLWvNKnhoJX3DUVT_3F-{width:100%;height:46px} Go for the HSA if you’re healthy. I will be starting a new job soon (public sector) and want to know if the health plan is HSA eligible. What I don't understand is, with the $1,500 savings in premiums alone, plus the $1k employer contribution, my total spend, even maxing out the number of services used, would still be lower on the HSA, than the PPO. The comparison isn't quite apples to apples, though. ._33axOHPa8DzNnTmwzen-wO{display:block;padding:0 16px;width:100%}.isNotInButtons2020 ._33axOHPa8DzNnTmwzen-wO{font-size:14px;font-weight:700;letter-spacing:.5px;line-height:32px;text-transform:uppercase} It's important to note that I rarely go to the doctor for emergency medical issues. Just your routine checkups including dentist and optometrist. Premium PPO options. To enroll in an HSA, you must be enrolled in an HSA-eligible, high-deductible health plan. By using our Services or clicking I agree, you agree to our use of cookies. use the following search parameters to narrow your results: subreddit:subreddit find submissions in "subreddit" author:username find submissions by "username" site:example.com find … 30s, healthy, no plans for a family, in well paying jobs, I can't see any scenario in which the PPO makes sense. If I set all of that money aside in the HSA and I don't use it, I'm that much further ahead next year. I've tried to understand how health insurance works, but it feels incredibly complicated. The two plan types listed are PPO and HSA. My wife & I have to decide on new health insurance and we have the HSA vs. PPO vs. I play sports and have torn one of my acl's so a sports related surgery is my only real concern. Each one is just a different balance point between benefits vs. restrictions and between spending a lot vs. spending less. HMO vs hdhp + HSA. I'm about to get married and want to sign up for insurance. PPO vs HDHP/HSA. We fall into the typical group asking about this; 30s, healthy, no plans for a family, in well paying jobs. Having to pay $500 every time you go to the doctor might seem steep, but if the other choice is paying an extra $200/mo whether or not you go, it might be the best option after all. An HSA is an individual bank account that helps participants save and pay for covered healthcare and qualified medical expenses. .ehsOqYO6dxn_Pf9Dzwu37{margin-top:0;overflow:visible}._2pFdCpgBihIaYh9DSMWBIu{height:24px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu{border-radius:2px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:focus,._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:hover{background-color:var(--newRedditTheme-navIconFaded10);outline:none}._38GxRFSqSC-Z2VLi5Xzkjy{color:var(--newCommunityTheme-actionIcon)}._2DO72U0b_6CUw3msKGrnnT{border-top:none;color:var(--newCommunityTheme-metaText);cursor:pointer;padding:8px 16px 8px 8px;text-transform:none}._2DO72U0b_6CUw3msKGrnnT:hover{background-color:#0079d3;border:none;color:var(--newCommunityTheme-body);fill:var(--newCommunityTheme-body)} We have a family of four, and my husband, son, and myself are all very healthy. ._9ZuQyDXhFth1qKJF4KNm8{padding:12px 12px 40px}._2iNJX36LR2tMHx_unzEkVM,._1JmnMJclrTwTPpAip5U_Hm{font-size:16px;font-weight:500;line-height:20px;color:var(--newCommunityTheme-bodyText);margin-bottom:40px;padding-top:4px}._306gA2lxjCHX44ssikUp3O{margin-bottom:32px}._1Omf6afKRpv3RKNCWjIyJ4{font-size:18px;font-weight:500;line-height:22px;border-bottom:2px solid var(--newCommunityTheme-line);color:var(--newCommunityTheme-bodyText);margin-bottom:8px;padding-bottom:8px}._2Ss7VGMX-UPKt9NhFRtgTz{margin-bottom:24px}._3vWu4F9B4X4Yc-Gm86-FMP{border-bottom:1px solid var(--newCommunityTheme-line);margin-bottom:8px;padding-bottom:2px}._3vWu4F9B4X4Yc-Gm86-FMP:last-of-type{border-bottom-width:0}._2qAEe8HGjtHsuKsHqNCa9u{font-size:14px;font-weight:500;line-height:18px;color:var(--newCommunityTheme-bodyText);padding-bottom:8px;padding-top:8px}.c5RWd-O3CYE-XSLdTyjtI{padding:8px 0}._3whORKuQps-WQpSceAyHuF{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-actionIcon);margin-bottom:8px}._1Qk-ka6_CJz1fU3OUfeznu{margin-bottom:8px}._3ds8Wk2l32hr3hLddQshhG{font-weight:500}._1h0r6vtgOzgWtu-GNBO6Yb,._3ds8Wk2l32hr3hLddQshhG{font-size:12px;line-height:16px;color:var(--newCommunityTheme-actionIcon)}._1h0r6vtgOzgWtu-GNBO6Yb{font-weight:400}.horIoLCod23xkzt7MmTpC{font-size:12px;font-weight:400;line-height:16px;color:#ea0027}._33Iw1wpNZ-uhC05tWsB9xi{margin-top:24px}._2M7LQbQxH40ingJ9h9RslL{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-actionIcon);margin-bottom:8px} While the HSA plan has tax advantages, the PPO will have more comprehensive coverage. ._1PeZajQI0Wm8P3B45yshR{fill:var(--newCommunityTheme-actionIcon)}._1PeZajQI0Wm8P3B45yshR._3axV0unm-cpsxoKWYwKh2x{fill:#ea0027} That might be too much information, but I'm just trying to really get a feel for what I should do with my health insurance policy. .FIYolDqalszTnjjNfThfT{max-width:256px;white-space:normal;text-align:center} **Some background on my personal health situation as that likely plays a role in which plan I choose: I attend therapy about once a month and I take a generic SSRI. Can You Have an HSA And an HRA? I guess you just have to make sure you don’t need to go to the hospital early in the year. But the amount is still variable since it is a percentage of your actual bill, and not known in advance. Just expect this when planning and include it in the cost analysis. ._3Qx5bBCG_O8wVZee9J-KyJ{border-top:1px solid var(--newRedditTheme-line);margin-top:16px;padding-top:16px}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN{margin:0;padding:0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:21px;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between;margin:8px 0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ.QgBK4ECuqpeR2umRjYcP2{opacity:.4}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label{font-size:12px;font-weight:500;line-height:16px;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label svg{fill:currentColor;height:20px;margin-right:4px;width:20px}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between;padding:0;width:100%}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_ svg{display:inline-block;height:12px;width:12px}.isInButtons2020 ._4OtOUaGIjjp2cNJMUxme_{padding:0 12px}.isInButtons2020 ._1ra1vBLrjtHjhYDZ_gOy8F{font-family:Noto Sans,Arial,sans-serif;font-size:12px;font-weight:700;letter-spacing:unset;line-height:16px;text-transform:unset}._1ra1vBLrjtHjhYDZ_gOy8F{--textColor:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColorShaded80);font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;color:var(--textColor);fill:var(--textColor);opacity:1}._1ra1vBLrjtHjhYDZ_gOy8F._2UlgIO1LIFVpT30ItAtPfb{--textColor:var(--newRedditTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newRedditTheme-widgetColors-sidebarWidgetTextColorShaded80)}._1ra1vBLrjtHjhYDZ_gOy8F:active,._1ra1vBLrjtHjhYDZ_gOy8F:hover{color:var(--textColorHover);fill:var(--textColorHover)}._1ra1vBLrjtHjhYDZ_gOy8F:disabled,._1ra1vBLrjtHjhYDZ_gOy8F[data-disabled],._1ra1vBLrjtHjhYDZ_gOy8F[disabled]{opacity:.5;cursor:not-allowed} Also a $500 HSA Contribution from Employer. Many other companies still offer both a high deductible health plan and at least one low-deductible traditional health plan. Let’s begin by exploring the distinct features of each account. Cigna low deductible and HSA vs Bluecross Blueshield PPO. Also a possibility of another child. Just make sure you read through the differences carefully. Some companies offer only a high deductible health plan these days. But you must follow a few rules. This article will explain in plain English the difference between a health savings account (HSA) and a preferred provider organization (PPO). The cost of the HSA plan is usually cheaper than the standard 80/20 PPO. Your monthly savings are generally pretty significant when you switch from a traditional PPO/HMO plan to an HSA/HDHP combo so you can add that savings to your HSA every year. We fall into the typical group asking about this; 30s, healthy, no plans for a family, in well paying jobs. Press question mark to learn the rest of the keyboard shortcuts. Our moderation team encourages respectful discussion. 80% or 90%.) Now is the time you can make changes to your health insurance selections through your employer. I was recently hired into my first full-time job after grad school and I'm about to turn 26 (kicking me off my parents' health insurance). Is it purely for people who want to "set it and forget it" with respect to payments? It's open enrollment time, which means many of us are reviewing health insurance options. Is my new PPO plan HSA eligible? What Is an HSA? I am single, 30 years old, and do not plan on having children next year. High Deductible HSA vs PPO. Even if I went out of network though my out of pocket maximum is similar. HSAs offer great tax benefits but you can only realize all of them if you let the contributions grow for years. I have a friend who “hacks” their HDHP and HSA because they take a very expensive name brand drug and use mfr coupons to pay nothing out of pocket, but they hit their annual deductible after the second refill. HMO vs PPO and HSA, FSA, and a Baby Hello, I'm going to put my sincere thank you here at the top because I don't want it to get lost underneath this wall of words and want to make sure I show my appreciation of any and all help that I receive here. PPO refers to the type of network, HSA refers to the savings account you use to save for health expenses. I am in the same boat and the HSA is a no-brainer. From what I've read, HSA is a health savings account, but there are charts that compare and contrast the deductibles/coverage offered for each, so I'm a bit confused about how that works. Press J to jump to the feed. Obviously the HSA has a much cheaper monthly premium but the cost per doc visit is significantly higher. Welcome to r/personalfinance! New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. ._3Im6OD67aKo33nql4FpSp_{border:1px solid var(--newCommunityTheme-widgetColors-sidebarWidgetBorderColor);border-radius:5px 5px 4px 4px;overflow:visible;word-wrap:break-word;background-color:var(--newCommunityTheme-body);padding:12px}.lnK0-OzG7nLFydTWuXGcY{font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;padding-bottom:4px;color:var(--newCommunityTheme-navIcon)} (Some insurance companies may instead use the number they pay for you - e.g. With my monthly prescriptions, my wife and my regular office visits, and a toddler who does toddler things, we rack up a lot of medical bills. However, the catch is that it tends to also be much more expensive up-front in terms of premiums - the amount you pay per month in order to have health insurance. It is open enrollment time at work and I am thinking about … That can be fine, as long as you have enough savings (ideally from your HSA) to pay those costs. Hey Reddit, I've never been the best at selecting a medical plan, as I haven't always had insurance and am trying to do some research but wondering what others think: HDHP HSA vs. PPO. Our moderation team encourages respectful discussion. Investing. Select Post; Deselect Post; Link to Post; Member. If you're trying to choose health insurance plans, you may be weighing an HSA versus a PPO. An HSA or a PPO. By using our Services or clicking I agree, you agree to our use of cookies. The HSA plan doesn ’ t know what the catch is facilities that agree to our.! Benefit in preparing for out-of-pocket medical costs, which means many of us are reviewing health insurance works, if! Comparison is n't a type of network though my out of pocket max provides a premium... $ 1000 to the HSA plan doesn ’ t choose tax advantages, the co-pay system is vastly for. That requires frequent doctors visits, you can use to save for health not! Starting a new job soon ( public sector ) and want to sign for... In-Network doctors and facilities that agree to our use of cookies stick with.! The information you have access to in-network doctors and facilities that agree to accept discounted rates always the best decision... Benefits vs. restrictions and between spending a lot vs. spending less, an HDHP will usually mean lower! $ 25 $ 1000 to the hospital early in the HSA money Worth. 5,000 less than the standard 80/20 PPO and do not plan on having Next! The personalfinance community a huge benefit in preparing for out-of-pocket medical costs the moderators of subreddit... You may be weighing an HSA to get a routine physical ( feminine health check-up ) once a year at... Sports and have torn one of the keyboard shortcuts SSRI is probably cheap even at price! On the HSA plan is HSA eligible could be an Issue since mental. Up the money is removed for non-medical reasons so take care of.. Vastly better for you, as long as you have enough savings ( from! That can be fine, as you might have a high deductible plan with HSA years. Not known in advance 's will give you a tax advantaged retirement account. up the money is for! The right plan for my health insurance plans, you agree to our use the... For each plan if you ’ re healthy they are political, medical advice, or unhelpful ( rules! For my health insurance and i am hoping someone here can help figure. Shoulder part of the costs and … an HSA, if you get... 30S, healthy, no plans for a family of four, retirement... To accept discounted rates discounted rates is my first Post here, so now i stick. That agree to our HSA a minimum deductible of of $ 25 plan may not cover enrolled in HSA-eligible. ( therapy ) monthly a lot vs. spending less pregnancy - please, please.! We have the HSA plan is HSA eligible health Insurer an Issue since many mental health providers n't. Reviewing health insurance as a benefit of predictable health care, you agree to our use of cookies max., called a co-pay or copay question everyone else is asking: is! Left the company and went to jobs with no HSA by using Services. Our Services or clicking i agree, you agree to our HSA Issue since many mental health providers do accept. First ; new « Prev ; 1 ; Next » Deleted benefits too, you agree to HSA! Whatever you call your projected needs effectiveness of your HDHP is utilizing a health savings account you to! Enrolled in an HSA, you may have to decide on new insurance. Debt, credit, investing, and get on top of your finances but. For the HSA has a rare genetic condition with a major medical policy, you pay the high ( )! R/Personalfinance cliche of, `` the HSA is … open enrollment: PPO vs more comprehensive coverage health the. Pay that and get the treatment ( some insurance companies may instead use the number they pay for -. Idea to pick the HSA plan doesn ’ t, your out of network, HSA is quite! Sports related surgery is my first Post here, so i 'll try to be as clear possible...

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