Sorry, I forgot! Yeah I imagine not having a change of scenery makes it hard to distinguish work from home. Do you find a lot of people take the HSA? It is nice to have choices. I would guess the majority of people like the PPO with the higher payout.
Our PPO is kind of a hybrid-you pay a copay when you go to the doctor, have labwork, fill prescriptions, but you do the coinsurance (deductible) when using ‘major medical’ services like inpatient and outpatient. And the HSA is a fairly new product.
Last statistics I remember seeing, about one third of our 150,000 heads of contract enroll in the HSA. The rest use the PPO products.