Sojourner
Thinks s/he gets paid by the post
- Joined
- Jan 8, 2012
- Messages
- 2,610
So I've been looking into some different HDHPs in preparation for switching to one of them during open enrollment. As I mentioned in another thread, I'm leaning strongly in favor of opening up an HSA along with this.
My question is, do pretty much all HDHPs have essentially the same features and coverage limitations? For example, I found just three plans total on ehealthinsurance.com that are HSA eligible, and they all have $6,300 deductibles and basically cover 0% of health care costs until you reach that $6,300. They don't even have low copays for things like routine doctor's office visits. So it seems like every cent of health care bills I incur during the year would have to be paid out of pocket (from the HSA, primarily) until I reach the deductible. For those of you who've gone the HDHP / HSA route... does this sound right?
(FYI, my scenario is coverage just for me, mid-40s, non-smoker, living in Georgia, wanting a PPO or POS-type plan).
My question is, do pretty much all HDHPs have essentially the same features and coverage limitations? For example, I found just three plans total on ehealthinsurance.com that are HSA eligible, and they all have $6,300 deductibles and basically cover 0% of health care costs until you reach that $6,300. They don't even have low copays for things like routine doctor's office visits. So it seems like every cent of health care bills I incur during the year would have to be paid out of pocket (from the HSA, primarily) until I reach the deductible. For those of you who've gone the HDHP / HSA route... does this sound right?
(FYI, my scenario is coverage just for me, mid-40s, non-smoker, living in Georgia, wanting a PPO or POS-type plan).