Originally Posted by
gloopy
That's what I'm trying to figure out as well. I like the idea of my tax free money going in and I keep it, but do they hassle you with "deny deny deny fill it out in triplicate deny deny deny oh so close but deny deny deny, ok we'll pay" like the bogus flex spending nazis do? Or are HSA's different/better in that regard?
I was close to getting the DPMP but went with an HSA. What I *think* the out of pocket maximum would be is one thing, but you hear horror stories about out of network Tylenols and people get billion dollar bills when they thought they were in network, etc. For the HSA's we have, max out of pocket is the absolute max no matter what, in or out of network, right?
I had the Gold. It just seemed that even with a few procedures and events in one year, I just barely made the deductible. And my monthly premium was cheaper than DPMP, but not all that cheaper that I even noticed. And then, I was still paying the co-pay percentage for other things. The dental plan got me like one cleaning. Even my flu shot was rejected. I gave up on that one after several hours of phone calls and emails. At some point, my personal time is worth more to me. I was still writing 200 dollar checks for the dentist for basic care. It's all so bloody complicated, for a reason. The way we get the hard sell on the HSAs and HRA's, then have to go digging for the DPMP stuff speaks volumes to me. And finally, I think the biometric stuff will be used against us, at some point. I don't want to freely give that to my employer. That's just me though. YMMV!!!