Hi, all!
I'm newly pregnant (yay!) and need to decide whether to keep myself and my husband on my employer's HDHP or transition us to the PPO option. Our benefit advocate was unhelpful, so I'm hoping for some mustachian advice and another set of eyes. Both my husband and I are healthy and on no medication, so we typically accrue no health care out of pocket costs and this is all new to me. Our new addition is expected in July 2021.
PPO
Yearly cost: $4,897
Family Deductible: $2,000
Out of Pocket Max: $6,400
Office Visits: 30 primary care, $60 specialist copay
Preventative Care: 100%, no deductible
Hospital Care: 80% after deductible
HDHP (no employer contribution to HSA)
Yearly Cost: $2,882
Family Deductible: $5,000
Out of Pocket Max: $7,350
Office Visits: 100% after deductible
Preventative Care: 100%, no deductible
Hospital Care: 100% after deductible
I keep circling back to the HDHP with the lower premium and HSA tax savings, especially with the full preventative care, but may be missing something. I have a few days to decide, and I'm afraid my brain has given out. I would greatly appreciate any advice or collective wisdom!
-M