Medical Insurance Enrollment questions

[kccrow]

Originally Posted by Chief Roundup

HDHP and POS are both PPO but you can only have an HSA with a HDHP.
Their responses were they didn't know each and ever Dr. charges and what the discount would be actually. Nor did they know the prices of every medicine and southern scripts discounts on each of those. Even though I could and was ready to give them a list.

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.