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    High out of network costs, which HSA HDHP plan?

    @pdg90601 Thanks a bunch for looking at it, I appreciate the feedback! I did indeed make a mistake in calculating the total in-network totals. I was comparing the initial Estimated In-Network column to the OOP max, rather than using the calculated costs considering coinsurance. e.g., for an...
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    High out of network costs, which HSA HDHP plan?

    @pdg90601 I'm assuming that because it will be repeats of the same type of appointment for the rest of the year, and I've submitted claims for it, and they haven't been balance billed yet (i.e., $150 of the $150 that it cost for the appointment, went towards my OON deductible). Based on what I...
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    High out of network costs, which HSA HDHP plan?

    @foreverthankful Haha no problem, and thanks. I'll try to explain. The input columns/rows that matter are that I estimate $1,000ish or less in network, and $2,000ish in out of network costs. These are the first 2 columns under the "Input" section, and I highlighted the rows that I think are...
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    High out of network costs, which HSA HDHP plan?

    Unfortunately, adding cross accumulation to my calculator got too complicated for me. Based on my understanding of it though, it would only save me money, and not cost me anything more, and I don't suspect it would make that much of a difference between the plans since I'm not needing to spend...
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    High out of network costs, which HSA HDHP plan?

    Hi everyone, still thinking about the responses and thanks for the comments! But I found out something that will require me to update my calculator again. Apparently amounts that go toward my OON deductible will also go toward my IN deductible.
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    High out of network costs, which HSA HDHP plan?

    Update 1: I found out that cross-accumulation applies (e.g. amounts towards the OON deductible apply to the IN deductible), but didn't figure out how to put that into the calculator. and I fixed the calculator I finally found out that 100% of my expected out of network costs would go toward...
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