Help!!! PPO vs HSA?

[SwamyRaRa]

1 hour ago, former said:

HSA - You can put some pre-tax dollars for medical expenses.

Nevu PPO, HSA ki premium entha, deductibles entha, out of pocket max entha, employer HSA ki entha free money contribute chesthunadu vunte cheppochu.

end of the day, PPO ki upfront ekkuva pay chesi visit vellinapudu low pay

HSA upfront low pay visits veliinapudu high pay chesthavu.

PPO details:

monthly premium :950

individual deduct 500 (in network)

family deductable 1000(in network)

max out of pocket $4500 individual 

family $9000 out of pocket 

Hsa details:

monthly premium 715

 In HSA case you pay everything upto $3500 if they are in-network and after that everything is paid by insurance. That is the max out of pocket by a single person in a worst case scenario if he goes in-network for the entire year.

[tokkalogola]

if you visit dr a lot go with PPO .. HSA will get expensive.

[camsam]

HSA is for people who visit doctor less number of times(My opinion). Usually HDHP plans are eligible for HSA.

Few companies like myne contributes about $200 every year to HSA for free plus you can contribute on your own to HSA.

You can start contributing HSA whenever from your paycheck and use this HSA(payflex debit card) for eligible expenses.

 

For example, last year I used this HSA money to buy BP monitor and Diabetes related stuff as they are eligible expenses. 

One of my friend used for Lasik surgery, he started contributing his pre-tax dollars for about an year.

 

For a bachelor with good health, HDHP plan with HSA is best

[chicchara]

HSA

best

employer contribution undhaa?

[raccha rambabu]

16 hours ago, SwamyRaRa said:

Currently had PPO. Now employer offering PPO or HSA. Asalu Ee HSA enti? Emi choose chesukovali? PPO best ha or HSA?

Family Members:3  

Vuuu

Vuncle.. you work for WITCH company?

Someone at work from WITCH company was talking the same doddi.

[GeorgeReddy]

40 minutes ago, chicchara said:

HSA

best

employer contribution undhaa?

HSA employer through lekapothe konndaru doctors accept cheyaru 

[former]

2 hours ago, SwamyRaRa said:

PPO details:

monthly premium :950

individual deduct 500 (in network)

family deductable 1000(in network)

max out of pocket $4500 individual 

family $9000 out of pocket 

Hsa details:

monthly premium 715

 In HSA case you pay everything upto $3500 if they are in-network and after that everything is paid by insurance. That is the max out of pocket by a single person in a worst case scenario if he goes in-network for the entire year.

Nevu HSA deductibles veyyaledu.

[Katti_Ramdas]

17 hours ago, SwamyRaRa said:

Currently had PPO. Now employer offering PPO or HSA. Asalu Ee HSA enti? Emi choose chesukovali? PPO best ha or HSA?

Family Members:3  

Vuuu

rendu okkate.. PPO lo mundu ekkuva katti venaka takkuva kadatav. HSA lo mundu takkuva katti visit ki ekkuva kadataru.

[halwaraaj]

8 hours ago, SwamyRaRa said:

Employer told both had same benefits but HSA had less premium per month.

ok. adi enduku ante neeku deductible ekkuva untundi HSA lo, and you pay everything  out of your pocket until the deductible is met for the year....

[CheGuevara]

HSA ante health spending account or health savings account? Indulo edi nuvvu adugutundi

[SwamyRaRa]

4 hours ago, former said:

Nevu HSA deductibles veyyaledu.

Individual Deducatible: $3500
Family Deductible: $7000
Coinsurance: 100% Coverage
Individual Coinsurance out-of-pocket maximum: $0

[SwamyRaRa]

7 hours ago, SwamyRaRa said:

PPO details:

monthly premium :950

individual deduct 500 (in network)

family deductable 1000(in network)

max out of pocket $4500 individual 

family $9000 out of pocket 

Hsa details:

monthly premium 715

 In HSA case you pay everything upto $3500 if they are in-network and after that everything is paid by insurance. That is the max out of pocket by a single person in a worst case scenario if he goes in-network for the entire year.

HSA:

Individual Deducatible: $3500
Family Deductible: $7000
Coinsurance: 100% Coverage
Individual Coinsurance out-of-pocket maximum: $0

[SwamyRaRa]

Ltt