Current Events > CDHP or PPO

(+) Yeah! (+)

We usually get the PPO since we both go to the doctor at least once a month and a specialist every other month. How much does a doctor visit cost when you pay the full price? My company puts $500 into a HSA for each of us if we get the CDHP, but that would be gone quick. Also I'm worried about prescription prices. There's a "see which option is better for you" on the work website, but no matter what I put in it says CDHP so I'm skeptical. Deductible for the PPO for us together is $2000. For the CDHP it is $4000. The PPO cost for the year is $3,595 and the CDHP is $1,974. The thing is both don't cover stuff like labs until the deductible is met. Plus there were lots of times where insurance had a stupid reason not to pay for something like my wife being too young, 36, for a colonoscopy even though the doctor said it was necessary so I'm thinking is it even worth giving those A-holes more money. I don't know what to do.

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