JoeMerchant
ASA pilot
- Joined
- Mar 31, 2005
- Posts
- 6,353
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There is already a $2000 difference in the premiums between the HSA/High Deduct. and the PPO...If the union wins, just look for the PPO premiums to continue to rise.
Looking at the family plan, you are in the hole by $3000 the first year before any doctor visit.
It's not good! Put it this way: if the company wants it, it's not a better plan. Your out-of-pocket is capped at $6,000, plus the $2400. If my math is fuzzy, please correct but the family deductible with the PPO is only $600. Big difference. Then hope nothing else happens before your HSA is full again which might take a little while. Repeat as necessary...
Sounds like the public option, maybe a better option.
I have had a sister with leukemia, and a grandmother with cancer. The bills are astronomical, and the HSA, while a great supplement, won't cover a fraction of the cost. You'll be living in a van down by the river eating out of a dumpster.
Newsflash: yes, it's great to take care of yourself. But things still happen. And anyone with a family knows that kids get sick, break things, and have mishaps.
Prescriptions covered? NOPE. I'm pretty sure most of us have no clue how expensive meds are. Could be hundreds of dollars per month depending on the affliction. If they extended the prescription coverage to the CDHP, I might consider it.