32, Feminine, California. About 300k annual wage.
Am getting into into open enrollment at a brand new job and attempting to raised perceive how the HDHP works.
Right here is a few details about the plan:
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Employer Funds the primary $3,000 Particular person, or $6,000 Household to the worker’s HSA Account
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Worker is chargeable for the following $1,000 ($200 to Deductible and $800 Out-of-Pocket)
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Employer will reimburse the worker for the ultimate $1,000 to the Annual In-Community Out-of-Pocket Restrict.
Worker contribution per pay interval: $0
In community deductible: $3200 for particular person
Copay/workplace go to/hospital: 10% after deductible
Prescriptions: $10/40/60
Out of pocket most: $5000 particular person
In comparison with HMO:
Worker contribution per pay interval: $0
Deductible: none
Out of pocket most: $1500 particular person
Workplace go to: $10 copay
Fundamental labs/xray: $10 copay
Husband presently below an HMO at his employer.
I usually see my PCP 1-2x per 12 months for fundamental labs after which do some outpatient psychological well being/remedy. I choose up a generic prescription as soon as each 90 days.
Most of my coworkers are on the HDHP however I heard there generally is a sticker shock when getting labs, and so on.
I’m attempting to determine what prices I’m chargeable for/how a lot I’m contributing.