Renee in NC Posted August 21, 2012 Share Posted August 21, 2012 Trying to figure out my options. HD plan is $1200 a year, and my employer contributes $1400 to my HSA up front. Deductible is $1200/2400 (indiv./family), 20% after that with max. out of pocket of $6400. PPO is $2015 year, no employer contributions. Prescriptions are $10/50. Deductible is $250/500, 20% after that, and a max out of pocket of $5000. Monthly prescriptions would be $60 a month. Both cover preventative care at 100% with no deductible. Even with paying for the monthly prescriptions (about $350 a month), it seems that we will save $500 a year with the HD plan. The HSA can carryover, too, so what we don't use can accumulate over time. I am so used to the copay type of plan that a HD plan makes me a little nervous, even when I can see the numbers myself. Which would you do? What do you have? Quote Link to comment Share on other sites More sharing options...
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