Trying to compare a couple different plans and looking for thoughts

Hi everyone

My wife and I receive health insurance through her employer. We have until Friday at 5pm to decide if we would like to switch health plans or maintain the current plan we have. Her employer offers two different plans – a PPO and a High deductible plan. I am hoping to provide enough info for someone smarter than us to help us digest it. Currently, we have been enrolled in the High Deductible plan, in this case, we will call it Plan B.
Plan A – The PPO Plan Info

FSA account is offered but employer doesn’t contribute any money towards it

Monthly Cost for the two of us: $466.72

Annual Cost: $5,600.64

Network Deductible: $700/family

Non-Network Deductible: $1400/family

Certain preventive care and all services with copays are covered and paid by the plan before we meet the deductible

There are no other deductibles for specific services

Out of Pocket Limit for Network: $2550/family

Out of pocket limit for non network: $8350/family

Not included in the out of pocket: Cost sharing for prescription drugs, premiums, deductibles balance-billed charges and health care this plan doesn’t cover

No referrer needed to see a specialist

Copay/Coinsurance

Primary care: Network: $20 copay/visit . Non-network: 40% coinsurance

Specialist: Network: $35 copay/visit . Non-network: 40% coinsurance

Preventive care/screening/immunization: Network: No charge . Non-network: 40% coinsurance

X-ray: Network: No charge at physician; 15% coinsurance for all other places . Non-network: 40% coinsurance

Blood word: No charge at physician; 15% coinsurance for all other places . Non-network: 40% coinsurance

Imaging (CT/PET scans, MRIs): No charge at physician; 15% coinsurance for all other places . Non-network: 40% coinsurance

Prescriptions – Copay/Coinsurance

Generic drugs (tier 1): Network – Retail $10 copay/rx, mail $20 copay/rx . Non-network: We pay 100% of retail cost and then file a claim with Caremark. Reimbursement will be based on the allowable network cost

Preferred brand drugs (ie those drugs on the formulary – Tier 2): Network – Retail 20% with $100 max/rx, mail 20% with $300 max/rx . Non-network: We pay 100% of retail cost and then file a claim with Caremark. Reimbursement will be based on the allowable network cost

Non-preferred drugs (Tier 3): Network – Retail 40% w/ $125 max/rx, mail 40% w/ $375 max/rx . Non-network: We pay 100% of retail cost and then file a claim with Caremark. Reimbursement will be based on the allowable network cost

Misc. or Lifestyle drugs (tier 4): Network – Retail 100%, mail – not available. Non-network: We pay 100% of retail cost and then file a claim with Caremark. Reimbursement will be based on the allowable network cost

Specialty: Need to contact Caremark to learn if it is preferred or non-preferred

Surgery/Emergences – Copay/Coinsurance

Outpatient: Facility Fee: Network: 15% coinsurance. Non-Network: 40% coinsurance

Outpatient: Physician/surgeon fees: Network: 15% coinsurance. Non-Network: 40% coinsurance

Emergency room care: Network AND non-network: $100 copay/visit, 15% coinsurance

Emergency medical transportation: Network AND non-network:15% coinsurance

Urgent Care: Network: $20 copay/visit. Non-network: 40% coinsurance

Hospital stay – facility fee: Network: 15% coinsurance. Non-network: 40% coinsurance

Hospital stay – physician/surgeon fee (inpatient): Network: 15% coinsurance. Non-network: 40% coinsurance

Everything else – pregnant related, help recovering or have other special health needs

Plan B – The PPO Plan Info

Her employer contributes $1000 to an HSA

Monthly Cost for the two of us: $188.08

Annual Cost: $2256.96

Network Deductible: $4000/family

Non-Network Deductible: $8000/family

Certain preventive care and all services with copays are covered and paid by the plan before we meet the deductible

There are no other deductibles for specific services

Out of Pocket Limit for Network: $6750/individual, $8000/family

Out of pocket limit for non network: $16,000/family

Not included in the out of pocket: Premiums, balance-billed charges and health care this plan doesn’t cover

No referral needed to see a specialist

Copay/Coinsurance

Primary care: Network: 10% Coinsurance . Non-network: 40% coinsurance

Specialist: Network: 10% Coinsurance . Non-network: 40% coinsurance

Preventive care/screening/immunization: Network: No charge . Non-network: 40% coinsurance

X-ray: Network: Network: 10% Coinsurance . Non-network: 40% coinsurance

Blood word: Network: 10% Coinsurance . Non-network: 40% coinsurance

Imaging (CT/PET scans, MRIs): Network: 10% Coinsurance . Non-network: 40% coinsurance

Prescriptions – Copay/Coinsurance

Generic drugs (tier 1): Network: 10% Coinsurance . Non-network: 40% coinsurance

Preferred brand drugs (ie those drugs on the formulary – Tier 2): Network: 10% Coinsurance . Non-network: 40% coinsurance

Non-preferred drugs (Tier 3): Network: 10% Coinsurance . Non-network: 40% coinsurance

Misc. or Lifestyle drugs (tier 4): Network: 10% Coinsurance . Non-network: 40% coinsurance

Specialty: Need to contact Caremark to learn if it is preferred or non-preferred

Surgery/Emergences – Copay/Coinsurance

Outpatient: Facility Fee: Network: 10% Coinsurance . Non-network: 40% coinsurance

Outpatient: Physician/surgeon fees: Network: 10% Coinsurance . Non-network: 40% coinsurance

Emergency room care: Network AND non-network: 10% coinsurance

Emergency medical transportation: Network AND non-network:10% coinsurance

Urgent Care: Network: 10% Coinsurance . Non-network: 40% coinsurance

Hospital stay – facility fee: Network: 10% Coinsurance . Non-network: 40% coinsurance

Hospital stay – physician/surgeon fee (inpatient): Network: 10% Coinsurance . Non-network: 40% coinsurance

Everything else – pregnant related, help recovering or have other special health needs

Our general info:

My wife and I are both in our mid 30s

Relatively speaking, we are healthy

I have type 1 diabetes that I use insulin for and see an endocrinologist 2-4 times per year and have blood work once a year for

My wife sees her ob and primary care a couple as needed/normal amount

We are not anticipating kids or any life changing event like that

My wife will probably need to have surgery next year to repair a torn labrum in her hip. This is outpatient surgery but has about 3-4 month recovery before she’s back to 100%

43551 zip

$150k+ annual salary

Any thoughts would be appreciated. Any follow up questions are welcome.
We want to try and make the best decision. The surgery will make us meet our deductible on either plan and out of pocket limit.
Thanks!!