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- Why would I choose the PPO plan over the HDHP at my employer? - Reddit
Some of these items seem a little backwards compared to what I've seen offered for HDHP vs PPOs, like the 100% coinsurance for the HDHP vs 90% for PPO At 100% coinsurance and no copays after the deductible, I'm not sure what would ever cause you to hit your out of pocket max Something's missing here
- HDHP vs PPO While Pregnant Labor Delivery : r personalfinance - Reddit
PPO-$8572 (Premium+OOP max) is the max you would pay Difference is, Only whatever you put in an FSA (which should be the maximum) and your premiums are Tax deductible HDHP-$7299 (Premium + OOP Max for individual - Employer HSA Contribution) is the max before any of your contributions to the hsa
- Help Deciding Between HDHP vs. PPO : r personalfinance - Reddit
If you can't, then there's no sense in even looking at the HDHP Does the HDHP have the same coverage as the PPO plan? Some HDHP plans are offered as an HMO, which has a more limited in-network coverage If you take drugs, how does the coverage compare on those?
- Spreadsheet to compare PPO vs HDHP with HSA that accounts for . . . - Reddit
Reliable spreadsheets or online calculators for comparing PPO healthcare plans with copays to HDHP plans with HSA accounts (sometimes referred to as CDHP) seem mostly inadequate for that purpose While conducting some research, I came across an old thread from 9 years ago that does a good job of comparing these two plan types
- Cannot decide between CDHP-HSA or PPO? : r personalfinance - Reddit
Everywhere I’ve worked that offered an HDHP HSA plan, either had a >$100 month premium difference with a PPO or only offered an HMO with tons of restrictions on care
- Deciding between PPO or HSA for upcoming pregnancy
It's also a little confusing but it seems at least from what he's stated that certain specialist and office visits are a flat $30 copay, which would save him a lot of money with the PPO versus the HDHP with how many office visits are generally needed for childbirth, especially unfortunately if it's a complicated pregnancy Reply reply avrins •
- BCBS PPO vs HDP - cant figure out why anyone would choose the PPO - Reddit
the PPO has an "embedded" deductible, the HDHP is "non-embedded" it basically means what you stated if you're enrolled in family coverage on the PPO, the most you (as an individual) would be responsible for is the individual deductible I can't tell from your post if that's $1500 or a different number
- Comparing EPO vs PPO saver (HDHP) : r HealthInsurance - Reddit
For the HDHP Plan- that's $8480 For the EPO Plan, that's $5400 Even when you factor in the Employer HSA contribution, that only brings the HDHP plan down to $6980 vs $5400 For me, in this situation- if I knew there was a high chance of giving birth in 2024- I'd go with the EPO plan
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