[moopierof]

Ok, so this year we're getting a Consumer Driven Health Plan. This is weird, and I wondered if anyone else has ever had one of these through their employer. It doesn't make any sense to me how this could possibly be cheaper than our other option.

Company gives me $1500. I pay for my medical expenses with that. Then I have to pay $750 out of pocket. After that I get 80/20 coverage. I only have to pay another $750 under the 80/20 benefits before I get 100% coverage. That seems.. well.. cheaper than what I'm used to. A lot cheaper. In fact, the cost of the health plan is well under half what I was paying this year. I only pay about $1400 to get the plan, which comes with the $1500 HRA which is a rollover HRA so I can stockpile cash if I have a good year.

I wonder if they didn't make a mistake in their documentation. Or if there's something I'm missing. I've never seen a plan like this that doesn't use copays and all that. It seems to be a real good deal. My total cost (payroll+wallet) will never exceed $3000 in any given year for both myself and my wife.

And the best part is no more CIGNA. Although as much as I had to fight with them occasionally over things I NEEDED, they didn't even bat an eyelash over my wifes tubal ligation. Insurance companies confuse the hell out of me.

So yeah.. anyone used one of these before.. something I might be missing.. questions I should ask before picking this over the PPO option?