What kind of health plan, a PPO or HDHP, would you recommend to someone that goes to an out of network provider?

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Are you basing the choice of health plan based on this one provider?

It generally makes more sense to pick the provider based on the health plan and not the other way around. Even if you're young and don't go to doctors much - something that could rapidly change - it's advisable to consider other factors in picking a plan.

Whatever the case, it's hard to answer your question without actual numbers. PPOs tend to have higher deductibles for out of network. Reimbursement rates can differ substantially between PPOs and HDHP's. You need to crunch the numbers.

Contact the benefits administrator and ask them to walk you through both scenarios so you can see it more clearly and make a more informed decision.

I agree with what the others said above, you need to talk with someone and discuss your options. Depending on how often you go to the drs, if you have health issues, how may people will be on your plan etc. one may be better for you than the other.

Your probably going to be looking at using FSA/HSA cash for this. Your marginal tax rate is basically your benefit.

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