Baby gets here in a week, do I go with my PPO or HDHP?

[revgoldie]

As the title says, my wife and I are getting ready for our baby’s arrival and I was wondering if y’all had any insight. Thanks in advance!

PPO: 175 (premium

Deductible: 500/1500

OOP: 3000/6000

Office Visit: PCP (20), telemedicine (20)

Lab, Xray, inpatient, outpatient 20% after deductible

Urgent care 20, emergency $150 + 20%

HDPD w HSA: $100 premium, $2100 employer contribution

Deductible: 2800/5400

OOP: 2800/5400

Office visit: PCP, telemedicine, outpatient, inpatient, emergency 0% after deductible

 

[cog2013]

@revgoldie Ur overthinking it. Relax. (Nobody can answer this for you, we don’t know your initiate details)

Just enjoy the moment.

 

[msmith1058]

@revgoldie I like the low deductible if you can afford the monthly. I went all out when I had my son.

 

[tjficklepeople]

@revgoldie Missing a few details to be able to give a good recommendation.

Are both plans the same network/doctors? If your doc is only in one vs the other then it is a no brainer.

Next question, are the premium amounts listed monthly or per pay period? If it is per pay period then how many do you have in a year?

Also is the OOP your out of pocket max?

Doing some back of the napkin math (making a ton of assumptions about the info you provided I'll update it with math and stuff once you clarify) , the High deductible plan seems like a pretty decent deal if you are comfortable with how one of these plans work. Have you had a HDPD before some people don't like the concept behind them?