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@edmondsimon You have a right to see the plan details. No way they don't have that. It's a boring long PDF that details the terms and conditions of the policy. It's possible that the other plan has some advantages, but the fact that you get OON access for cheaper is hard to beat

@edmondsimon Ok, mathematically I agree with you that the cheaper plan, even with the higher deductible, is definitely better ($1704+500 = $2204) vs (2616 + 250 = $2866). When you add to that the fact that the cheaper plan also gives you OON access, I wonder why anyone would choose the more...

@edmondsimon Lol now I'm confused. The in network plan has a lower deductible than the "lower" deductible plan, right? It's a little hard to see it on the image from mobile. If you want to type out Plan A vs Plan B and list the ANNUAL premium, deductible, OOPM and network options for both, you...

@edmondsimon The big difference between the two plans in your link is that the more expensive one has OON benefits. The cheaper one is IN only. You have to decide if that's important to you.

@dincali Ok then that's not a factor. You need to do the math on how much your prescription will cost you for the year with each plan. If there's a pharmacy deductible, you'll pay full price (that can be $400+) until you meet the deductible. Afterwards, or if there is no deductible, you'll pay...

@mavep24 Anthem blue cross offers online telehealth, which might be your best option after 5 pm. Indeed many urgent care centers close at 5-6 pm, that's unfortunately not surprising. But telehealth should be available longer hours.

@dincali Questions: 1) does your employer contribute any money to the HSA accounts? 2) is your paycheck biweekly? (Trying to figure out your monthly premiums).

So option C in worst case scenario is $18,328. Whereas option A with HSA and employer's contribution is $18,389. They are basically identical in a worst case scenario. But the HSA wins under low use conditions, and also, all else being equal, you get the HSA account.

@broggyb Ah, I missed that. Thanks!

@glendamarie Is there an employer contribution to the HSA?

@drick It seems pretty common for the HDHP with HSA plan to be mathematically way better than the regular PPO alternative. Same thing at my job, and I can't figure out why anyone would choose the PPO, other than it's what they're used to. With that said, your premiums are REALLY HIGH. Have you...

@ttebayo This is key. It doesn't matter what "bills" you get from the hospital. You have to log into your insurance portal, find those claims, and download the PDF of the EOB (explanation of benefits) for each one. That is a statement from your insurance that tells you exactly how much they...

@vladimirsurguy Before baby is born, you're an individual. After baby is born, you have a period of time (I believe it's 30 days) to add baby to your policy, which makes it a family policy and family deductible/OOPM would apply. Please remember that sometimes hospitals will bill the mom's plan...