Monday, February 11, 2013
Need more info, please
I received an e-mail through my Union; we have an informational meeting coming up this week. I will eventually be asked to choose between the current PPO model insurance I have had for years, with some changes vs a high deductible health plan with health savings account feature. All 4 kids and I are under my insurance, so I need to have a clear understanding of my options, in order to navigate these changes, effective July 1.
I have asked if it was possible to receive a list of in network facilities and MD's to get a better handle on whether or not we'll be going out of network at all, with our current physicians, hospitals. RX plan and dental is changing, too. If going out of network, the payout is significantly lower than in plan, ultimately leaving me paying more.
So more information is being solicited so that I can make an informed decision.
Meanwhile, we continue to schedule as many appointments now, before the new changes become effective.
Anyone have experience with a HDHP-HSA?