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Originally Posted by Chief Roundup
Alright it is that time of year again. The college I work at it changing insurance companies from Blue Cross Health Advantage to UMR that is using United Healthcare.
The new company is pushing the High Deductible Health Plan. I am now trying to figure out if it is worth it for me to switch from my PPO/FSA to the HDHP/HSA.
I am not sure how to figure out the costs that would be different. They cannot provide me information ahead of time as to the "discounts we will get at our PCP" over what paying full price would actually cost. They cannot provide me information as to what prescriptions that I take will actually cost with the southern scripts, mail order company, that we will be required to use.
Any advice would be greatly appreciated.
Hoping that there is a medical insurance agent/consultant on here!!!
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An HDHP is not a specific type of plan. If you were a PPO before, you’ll probably still be a PPO. As for your question, it’s kind of odd that they would ask you to sign up for a plan that you don’t know the details. I’m not even sure if that’s legal. They should have your pharmacy benefits information. I’d consider calling Southern Scripts.