G*******m
发帖数: 16326 | |
i*****0
发帖数: 2327 | |
G*******m
发帖数: 16326 | 3 能详细介绍一下吗？
【在 i*****0 的大作中提到】
: so far great.
|
s**x
发帖数: 7506 | 4 身体好的，能挣到钱，因为公司有补助。经常跑医院的就惨了，因为首先你付钱，等每
年的上限到了，你才不用出一分钱。 |
G*******m
发帖数: 16326 | 5 那就算了，继续用PPO。
【在 s**x 的大作中提到】
: 身体好的，能挣到钱，因为公司有补助。经常跑医院的就惨了，因为首先你付钱，等每
: 年的上限到了，你才不用出一分钱。
|
i*****0
发帖数: 2327 | 6 ？？？
HSA对应的应该是FSA
PPO对应的是HMO
我们公司的HSA就是PPO的一种，不太明白您在比较什么 |
b********t
发帖数: 8181 | 7 用过，想知道啥？
【在 G*******m 的大作中提到】
: 有人用过HSA accounts 吗?
|
s**x
发帖数: 7506 | 8
hsa is high deductible saving acount. it is like 401K in medical, both you
can company can contribute to your account.
the problem is when you go to see doctors, except for regular once a year
health check, you need to pay everything by yourself first, and then when
that is maxed out, say $3000 a year, you do not need to pay anything.
my son was born in Jan, a lot of check before and after, we paid for $6000
in 2 years. the worst is when you switch jobs, you need to pay another 3000
if you still use HSA.
i think it is higher than 3000 these days. so better to avoid it, but many
startup still use it as it is cost company less.
good for young people.
【在 i*****0 的大作中提到】
: ？？？
: HSA对应的应该是FSA
: PPO对应的是HMO
: 我们公司的HSA就是PPO的一种，不太明白您在比较什么
|
b********t
发帖数: 8181 | 9 HSA最适合没有病的人和生大病的人，或者是年轻人或者是药瓶子，不然应该不如传统
的low-deductable的计划。 |
i******e
发帖数: 1720 | 10 It really depends on the individual/family's health condition, premium cost,
whether/how much the employer contribute to the HSA account.
I used to work for a company which deposited $2000 for family ($1K employee
only) into HSA account each year. The unused amount could be rolled over
into next year. The corresponding PPO has $2k individual deductible/OOP, $
4k family. Deductible and OOP were met at the same time. The premium of
the plan costed lower than other traditional plans.
In the worst case, we would spend $2K from our own pocket only if two or
more family members encounter large medical bill at the same calendar year.
It turned out we didn't spend a penny from our own pocket except Rx even
both myself and hubby went thru some medical procedures in those few years. |
i*****0
发帖数: 2327 | 11 但是HSA可以每年存下钱来，留到老了再用。不象FSA，每年底用不完，都捐给
Principal做Christmas Bonus了 |
