HSA vs PPO/EPO + Pregnancy Potential
We are planning on trying for pregnancy in the next year.
Here’s the 2 plans we’re trying to decide between:
HSA:
Premium – $600/yr (employer pays $300/m towards premiums but no employer contribution to HSA)
Deductible – $3400
OOP Max – $6300
Maternity – all services are deductible + 20% coinsurance.
Most other costs are deductible + 20% coinsurance.
PPO/EPO:
Premium – $1320/yr (employer pays $300/m towards premiums)
Deductible – $2000
OOP Max – $4500
Maternity – $60 copay initial office visit, childbirth/delivery professional services $100 copay per visit , childbirth/delivery facility services are deductible + 20% coinsurance.
Most other costs are $20-60 copays, diagnostics is ded + 20% coinsurance.
Live in Florida. We’ve loved the HSA this past year, but I’m not sure if the PPO lower cost outweighs. Husband has previously been on Medishare at $227/m and has never had to use it in the past 2 years. This year, we know he’ll have some medication costs, maybe a couple office visits, and potentially an MRI or CT scan, so we’re considering moving him into whatever plan I do.
From my basic calculations and guesstimates, it seems like the 2 plans would be within $1-2k difference assuming a pregnancy that falls in that whole year. The main thing I’m having trouble sorting is that both plans childbirth/delivery are deductible + 20% coinsurance.
Anything else I’m missing? Opinions? Thanks 🙂