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…

FEHB Aetna HSA HDHP Costs March 2013

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.

Related Posts:

FEHB Aetna HDHP/HSA Cost Update – February

Aetna HDHP/Health Savings Account (HSA) – January Costs

FEHB Open Season – Using PlanSmartChoice to compare FEHB Health Plans

FEHB Health Premiums on the rise for 2013


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