Quote:
Originally Posted by kccrow
You are providing way too little information about the plans for anyone to help you whatsoever.
You should know the premiums, deductibles, and coinsurances/copays under the plans at the very least. Hard to compare the situations without that.
Normally every insurance company has a list of the prescription drugs and what tiers of the plan they fall under. Your HR lady isn't going to provide you that.
For all we know at this point is you could be comparing a 1200/2400 PPO 70% plan to a 1500/3000 HDHP 100% plan and so the benefits of the HDHP, especially if you contribute the deductible to the HSA, could far outweigh the PPO plan. We also have no idea how much you use the doctor and prescriptions you're on, which will factor into your choice. And, I doubt you'd want to divulge that information. You need to get more facts in order.
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Wish I could post a pic of their breakdown.
The POS plan which I can choose for $130 a month has a $1500 deductible with a $5000 maximum out of pocket. $35 copay at Dr. $45 at specialists. Copay plus 20% up to the $5K max. Scripts are $20, $50, $70 for Generics, Preferred, Non-Preferred. Wellness covered 100%.
The HDHP which I can choose for $75 a month has a $3000 deductible which is also the max out of pocket. Wellness is covered 100% everything else is 0% covered until deductible is met.
I am on Simvastatin, Spiriva Respimat and Albuterol Sulfate HFA. I see the Dr twice a year for blood work and a wellness checkup.
Hope that helps. Any other info that might help?