Originally Posted by
iaflyer
I have a kid and the Gold plan worked well for us. Note that all preventive visits for the kids (shots, regular scheduled checkups (6 months, 12 months, etc) are covered at 100% and don't impact your deductible or HRA money at all. We go to a in-network doctor and pay nothing for the regular check-ups. (it may be the same in other plans, I'm just telling about my experience).
Our kids just wasn't sick - we have only been to the doctor for something other than checkups once. (we're really lucky). That visit at the doctor cost us $57. If they are sick a lot, that would add up.
Looking at it, it seems like lower out of pocket may be the PPO-A before things are covered at 100%.
I've had the HRA gold for a while and have not been particularly pleased with the large amount of out of pocket, and we're looking at starting to crank out the wee ones. It looks like the PPO-A is a good grand less out of pocket with a significantly lower deductible. Hows my math?