I don’t really understand the The good the bad and the sus shirt. Maybe it’s just my situation, but my employer offers both a PPO and an HMO. The HMO is cheaper per month with lower deductibles and lower copay. The only limitation is I have to see my PCP before seeing a specialist, which is fine by me since I wouldn’t see a specialist anyway without a doctor telling me what kind of specialist I need.
The good the bad and the sus shirt, Hoodie, Sweater, Ladie Tee, Vneck, Bellaflowy, Kids Shirt, Unisex and Tank Top, T-shirt
Best The good the bad and the sus shirt
HMOs typically are cheaper in nearly all scenarios. People see “high deductible” in those plans and The good the bad and the sus shirt. Then they see a higher per-paycheck cost of PPO and assume it’s better. Usually, the PPOs premiums alone cost more than the HMOs premiums and deductible combined. Plus several HMOs are also HDHPs, which qualifies for you for an HSA, where you can store money taken out pre-tax to pay for deductibles. Unlike an FSA it rolls over between years, and you can also invest it like a 401k if the balance is above a certain amount. The HSA is actually often used as an extension of the 401k for people who have exceeded the maximum pre-tax contribution of the 401k plan.