Deloitte fishes - I’m new to Deloitte and enrolling in benefits and having a hard time determining if I go with one of the PPO or HDHP plans. Despite having to go through IVF we’re healthy and rarely go to the doctor but I know with IVF and a possible pregnancy that could all change. Would love feedback on what has been helpful - HDHP is what I’m leaning towards!Deloitte

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PPO. Always go PPO. It’s worth the extra cost.

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If planning for pregnancy please select PPO. There might be a lot of expenses for next year. Once pregnancy completes switch next year to HDHP. With HDHP you will have to first meet deductible before insurance kicks in.
That’s my view

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We did a calculator for PPO vs HDHP when I was planning on getting pregnant. And no matter the scenario, the HDHP was always cheaper, you just had to come up with the $$ upfront (if you don’t have enough saved in your HSA).

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I’ve heard this time and time again. I do have means to cover the upfront until deductible, and the HSA option is appealing to me, mainly from the long term investment option and Deloitte contribution.

If you are prepared to cover the deductible/ oop max, the HDHP is typically the best deal. You should compare annual premium + oop max for each plan…that gives you your total potential spend each year. At least for my family, the hdhp premiums are so much lower that it makes up for the deductible/ oop max difference.

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I don’t know the specifics of the financials of your plan but we do a PPO for our family (including an infant child) and would not consider changing. There are a lot of appointments and occasional hospitalizations in the first years of life. The benefits of the PPO cannot be oversold in my opinion.

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