Which plan should I pick, HSA or PPO (I have Crohn’s)
Should the main concern be the out of pocket max?
Currently, I get infusions of remicade in the outpatient infusion department of a hospital every 8 weeks under my parents insurance. I am still trying to figure out what type of coverage there would be under these plans for the infusion itself separate from the medication.
My spouse will be on my insurance so these are the family costs:
OPTION 1 BCBS BLUEEDGE HSA
Biweekly premiums $115
Company contribution to HSA $1000
Family deductible $3000
In network Out of pocket max(includes deductible) $6000
Out of network out of pocket max – $11000
Office visit – 20% after deductible
Emergency Room – 20% after deductible
Generic Tier 1/Generic Tier 2/Preferred/ Non-Preferred (30-day supply; 90-day retail available)/Specialty – Subject to HSA deductible; $15/$40/$60/$100/$100**
Surgery (Outpatient Hospital), inpatient physician services, inpatient hospital expenses, outpatient surgery/X-ray/lab – 20% after deductible
OPTION 2 BCBS PPO
biweekly premiums $200
Family deductible $1500
In network Out of pocket max(includes deductible) $8000
Out of network of out of pocket max – $10400
Office visit – $40/$55 copay per visit
Emergency room visits 1-3 – $200 copay, then 20%
Generic Tier 1/Generic Tier 2/Preferred/ Non-Preferred (30-day supply; 90-day retail available)/Specialty – $15/$40/$60/$100/$100
Surgery (Outpatient Hospital), inpatient physician services, inpatient hospital expenses, outpatient surgery/X-ray/lab – 20% after deductible
submitted by /u/crohniegirl
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