EY High Deductible Health Plan vs Open Access Select (don’t have EY bowl access yet)

I just started at the firm and am trying to pick my healthcare. I don’t really ever go to the Dr so I’m thinking of getting the High Deductible plan. My question is, what does it mean that it’s not a “national network (Is this a national network?: No)” but it’s “network coverage: see any licensed doctor”? Those seem to contradict.

Also HSA vs FSA, as a healthy 26yo, which is right for me (High D only has HSA)

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I’m thinking the high deductible is right for me, I’m not sure how I can pick my doctor/who I can see. Am I allowed to go to any licensed doctor in the country or what?

I’m also not sure if I should be putting money into an HSA (or FSA) as a young, healthy person. The only work I may want to get done eventually is Invisalign, but I’m not sure if that’s covered by HSA or what exactly this all is. Im already looking on ALEX, but was hoping for some real human help

Regarding coverage - don't think there's any difference im coverage with the HDP

Invest as much as you're comfortable with in the HSA. $3600 max per year. Pre tax investment that wont expire

Don't deduct FSA since you're healthy and FSA expires annually

Yeah def start putting money in to an hsa. Triple tax benefits and it grows while the money is in it

Always HSA because it rolls over.

Feels like a risk to do hsa but I did it myself this year. I’m rarely sick and only go to a doctor for my yearly checkup. Let’s hope it doesn’t change

Do you think that will be the case when your 60? That’s really the point of an hsa. Tax free when you put in, grows tax free, tax free when you use it.

It depends on what your OOP medical expenses are. If you spend more than $1k out of pocket, then get the premium plan. But if you know 9/10 times you spend like $300 on OOP costs, then get the HDHP. I’m 26 and healthy and only spend $400 a year but decided to get the premium plan for tax purposes and a nice safety cushion. I also like the FSA because it comes out pre-tax and you can spend it on bandages and other misc items.

And to your question: both plans have the same network coverage, meaning you can go anywhere in the Country and use your insurance. The “national coverage” is basically on most HDHP and PPO plans, it’s only HMOs where you’re coverage is limited to a local network (and not even applicable at EY because they don’t offer it)

Regarding the HDP, how do I choose between UHC and BCBS? I understand that one network is UnitedHealthcare Options PPO and the other is BlueCars PPO, but the rest all looks the same so I’m not sure what I’m supposed to be comparing when trying to decide UHC vs BCBS

HSA, triple tax savings and rolls over

How does one get access to EY bowl

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