Can a Federal Employee save money by switching his family of four to a High Deductible Health Plan (HDHP) / Health Savings Account (HSA)? Here’s another follow-up.
Unbelievably, in spite of my ineptitude in researching HDHP drug costs, it’s a wash thus far.
With 2 doctor visits, 1 dentist visit, and 2 prescriptions filled this month, the running total for Aetna HDHP/HSA comes to $1865- about $10 LESS than we had spent YTD out of pocket on health care costs last year with BCBS. Perhaps the insurance companies know something…
Other FEHB Aetna HDHP/HSA Notes:
- Premium pass-through (rebate) of $125 posted mid-month (March 12th).
- Still no costs out of pocket for preventative dental (!)
- Even ‘Generic’ drugs can be pricey. We paid $62 for a Generic drug that was not on the $4 drug list 🙁
- After the 1st Quarter of CY13, We’re just over halfway to our $3,000 family HDHP deductible- When benefits will (hopefully) kick in.
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