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.

So far the answer is still NO.  We’re about $400 behind where we were last year with the conventional Blue Cross/Blue Shield (BCBS) plan.

Doctor and pharmacist visits for the month of June bring the 2013 Aenta YTD total to $4590, versus $4189 with BCBS (basic) during the same time period in 2012.



Other FEHB Aetna HDHP/HSA Notes:

  • We’ve hit our $3,000 Deductible and are being reimbursed for just about everything now (Co-Pays instead of 100% of costs).
  • Premium pass-through (rebate) of $125 posted early-month (July 12th).
  • No visits to the dentist this month.
  • Aetna finally received and processed our pharmacy claim.  They reimbursed us $429 for a ~$600 prescription made back in May.

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