Hsa vs PPO

[VictoryTDP]

Dbians with little kids what do you have 

[Sreeven]

Depends on deductible and age etc..hsa is always good but I you visit doctors frequently then ppo is better

[Konebhar6]

3 minutes ago, VictoryTDP said:

Dbians with little kids what do you have 

HSA is cheaper compared to PPO. If you go very less to doctors or emergency (in case of kids) HSA is better. If you have some known health issues, do not take a risk and go with PPO.

[VictoryTDP]

13 minutes ago, Konebhar6 said:

HSA is cheaper compared to PPO. If you go very less to doctors or emergency (in case of kids) HSA is better. If you have some known health issues, do not take a risk and go with PPO.

Yeah, recent ga HSA teesukunna but had to visit the emergency room so re thinking now, but premium is high, ma company ki cheaper option ante HSA ne inka 

[kakatiya]

If you have kids..ppo it is..hsa is for single h1b candidates 

[Konebhar6]

8 minutes ago, VictoryTDP said:

Yeah, recent ga HSA teesukunna but had to visit the emergency room so re thinking now, but premium is high, ma company ki cheaper option ante HSA ne inka 

Calculate overall money you spent in HSA vs PPO and see how much you spent in emergency. Add it to your HSA expense and see the difference. You will get the clarity.

For e.g. My previous HSA was $0/paycheck where as PPO was $150/Paycheck. An emergency visit would cost around $500-$750. Even if I had 2-3 emergency visits and difference in copay costs, HSA was still cheaper. But 1 big issue your out of pocket will be a lot. But there is a $4000 per person limit as well there. So wost case you pay a little more. 

[VictoryTDP]

8 minutes ago, Konebhar6 said:

Calculate overall money you spent in HSA vs PPO and see how much you spent in emergency. Add it to your HSA expense and see the difference. You will get the clarity.

For e.g. My previous HSA was $0/paycheck where as PPO was $150/Paycheck. An emergency visit would cost around $500-$750. Even if I had 2-3 emergency visits and difference in copay costs, HSA was still cheaper. But 1 big issue your out of pocket will be a lot. But there is a $4000 per person limit as well there. So wost case you pay a little more.

Current HSA premium-250 but it is 80 20 after the deductible is met 

if I get PPO - it will be 450

 

emergency bill raledhu inka waiting 

[EyBisa]

hsa is mainly advisable if u have minimal  doc visits ...it requires hdhp plan 

[Konebhar6]

1 minute ago, VictoryTDP said:

Current HSA premium-250 but it is 80 20 after the deductible is met 

if I get PPO - it will be 450

 

emergency bill raledhu inka waiting 

PPO lo deductible enta? HSA deductible enta?

[VictoryTDP]

Just now, EyBisa said:

hsa is mainly advisable minimal if u have doc visits ...it requires hdhp plan 

Okay bro, thanks for your suggestions, I never had an HSA plan but employer change chesinappudu tried it a couple of months ago

[VictoryTDP]

5 minutes ago, Konebhar6 said:

PPO lo deductible enta? HSA deductible enta?

PPO - 700 Individual/2100 Family

HSA - 1850/3700 (80/20 for office and Specialist visits_

[chingchang]

28 minutes ago, VictoryTDP said:

PPO - 700 Individual/2100 Family

HSA - 1850/3700 (80/20 for office and Specialist visits_

In your case its not much difference deductible wise .. what are you paying for medical insurance per pay check for each ? 

[maverick19]

It really depends on hospital visits. for me HSA seems better because there is investment option in HSA and your money grows + company pays $1500 annually + it is  pre tax money. 

[Konebhar6]

34 minutes ago, VictoryTDP said:

PPO - 700 Individual/2100 Family

HSA - 1850/3700 (80/20 for office and Specialist visits_

HSA is cheaper for you. You are paying an additional $200 per month for PPO. Total $2400 per year. So you are paying an additional $1150 for HSA as deductible. 

My experience with HSA has been decent. Never had big problems. However if you need speciality care, its better to go with PPO so that you can choose who you want to be treated by.

Problem with PPO is getting appointments. Its not easy to get quicker appointments with specialists. They take time.

[VictoryTDP]

14 minutes ago, chingchang said:

In your case its not much difference deductible wise .. what are you paying for medical insurance per pay check for each ? 

HSA is 260 per pay check 

 

PPO will be 450 per pay check