Thinking of switching from HDHP to PPO. Is it worth it?
I am hoping to get some studies done this year and am thinking about switching my husband and I from HDHP to PPO. I am not really sure exactly what I’ll end up getting done but I’m thinking gastroenterologist, gyno, and bloodwork to name a few. I’m wondering if it’s worth the extra $127/bi-weekly to change to a PPO or do a HDHP and put more money into our HSA. I’ve charted below where they differ.
HSA 1
HSA 2
PPO
Bi-Weekly Cost
$140.20
$203.87
$267.20
Deductible
$3k
$2k
$750
Out of Pocket Max
$5,600
$4k
$3,750
Primary Care Visit
20% Coinsurance
20% Coinsurance
$30 Copay; Deductible Waived
Specialist
20% Coinsurance
20% Coinsurance
$60 Copay; Deductible Waived
Diagnostic Lab Work
20% Coinsurance
20% Coinsurance
No charge; Deductible Waived office setting; 20% Coinsurance outpatient setting
Emergency Room Care
20% Coinsurance
20% Coinsurance
$200 Copay per visit; 20% Coinsurance; Deductible Waived
Mental/Behavioral Outpatient Services
20% Coinsurance
20% Coinsurance
$30 Copay per visit; Deductible Waived office visits; 20% Coinsurance other outpatient services
Diagnostic X-Rays
20% Coinsurance
20% Coinsurance
No charge; Deductible Waived office setting; 20% Coinsurance outpatient setting
