Does anyone know about medical plans? PPO or high deductible? which is more cost friendly if you have a lot of healthcare coming up in the next year.

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I’m insured by my husbands plan its PPO. And during pregnancy it was great just paid co-pays at the gyno of 20, and 2 lab fees $100 bc I wanted extra genetic testing, and hospital bill was 300 for the birth/delivery. His plan is great bc I dont need referrals if I want to go to a dr.

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Dang that’s a good plan!

In my experience you will pay more for the PPO every month but might be worth it if you have huge expenses coming. Depends on how the HDHP policy is written- is everything covered 100% after the deductible is met?

If you assume you will hit out of pocket max then HDHP will save a few dollars. HDHP is $5,432.44 for premiums + OOP max of $7,400.00 =$12,832.44
PPO is $7,109.44 for premiums + OOP max of $6,000.00 =$13,109.44

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PPO if you know you're going to have a lot of medical costs. High deductible won't cover as much as a PPO and in some cases, you might as well just pay cash. With a PPO, it should cover more expenses and hopefully save you some money

No joke! With my high out of picked deductible, I would have had to pay $15k to have my son AFTER INSURANCE. I ended up just paying cash out of pocket and it was $3k with an epidural.

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