HDHP + HSA or PPO help
31yo man, not really any medical problems. Have few prescriptions that can also be obtained over the counter. Could you help me choose what employer health plan is best for me?
HDHP: $0 deduction from paycheck. Employer provides $500 annual HSA contribution
Deductible: $3500
Out of pocket max: $7000
Preventive care (once a year): $0 copay
Primary care office visit: $20 copay after deductible
Specialty care office visit: 10% after deductible
Hospital ER visit: 10% after deductible
Hospital admission: 10% after deductible
Urgent care: 10% after deductible
Ground ambulance services: 10% after deductible
Lab office visit: $0 after deductible
Independent lab: $0 after deductible
X-rays: $0 after deductible
Advanced imaging (eg. MRI, CT): 10% after deductible
Allergy testing: 10% after deductible
PPO: $88.72 biweekly deduction from paycheck
Deductible: $700. $2300 if outside my employer facility
Out of pocket max: $3500. $7000 if outside my employer facility
Preventive care (once a year): $0 copay
Primary care office visit: $20 copay. $40 if outside my employer facility
Specialty care office visit: $30 copay. $55 if outside my employer facility
Hospital ER visit: $500 copay
Hospital admission: 10% after deductible. 30% after deductible if outside my employer facility
Urgent care: $35 copay
Ground ambulance services: $0 copay
Lab office visit: $0
Independent lab: $0
X-rays: 10% after deductible. 30% after deductible if outside my employer facility