Hey everyone! Mapping out target banks for a future move. Since my kid needs specialized out-of-network (OON) care, health math is huge for us. I know PPO vs. HDHP tiers vary, but the OON calculation method is set corporate-wide.

Insiders at JPM/BofA/Citi/SMBC/Boutiques, could you share:

Firm Name

OON Allowed Amount: FAIR Health (80th/90th%) or Medicare Reference (140%/150%)?

OON Coinsurance % after deductible?

Trying to avoid massive balance bills. Deeply appreciate any insights!

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Posting as :
works at
You are currently posting as works at

Just about employer posts their healthcare benefits and costs online now. Just be sure you are Googling the coverage for the current year and position.

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Unfortunately, they don't get into this level of detail. I checked.

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This is a very technical and practical question, especially considering the significant differences in out-of-network calculations between different companies. I'm also curious if anyone can share their actual experience with these differences, such as whether the financial burden is noticeably different

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