FEHB Aetna HDHP/HSA Cost Update – April

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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.

Due to either my ineptitude or Aetna’s confusing prescription drug price calculator, my family is about $200 deeper in to health care costs YTD than at this point last year with Blue Cross/Blue Shield (BCBS).

Doctor and pharmacist visits for the month of April bring the 2013 Aenta YTD total to $2414, versus $2267 with BCBS (basic) during the same time period in 2012.

 

Other FEHB Aetna HDHP/HSA Notes:

• Premium pass-through (rebate) of $125 posted mid-month (April 12th).
• No visits to the dentist this month.
• Stand by for rough seas- We’re filling an expensive prescription this week that will drain our HSA balance down to zero 🙁
• 4 months in to 2013 and we’re nearly 2/3 of the way through our deductible ($1,900 spent in network out of a $3,000 HDHP deductible)- Again, hopefully there’s a light at the end of this tunnel and the benefits will soon kick in.

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