[Spirit of Liberty]

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.

[STARLIT]

We are Humana PPO. We really like it..but my husband worked for them for over 25 years and knows exactly how to check everything and how to get what is there. Too many people don't look into issues or question discussion they make sometimes. People make mistakes and you have to check their work. (Not my words because I've never paid a bill in my life)..if anything is questioned with any insurance..call and call until you find someone who agrees with you.

[CottonBall]

Ours is the same way so I guess it’s a hybrid? I find it annoying because with the HSA everything goes towards the deductible and towards the out-of-pocket Max. It takes a long time with the PPO to meet the deductible since the things we pay the most, for doctor’s visits and prescriptions, don’t count. Which makes it a little more interesting to try to calculate when we will meet either of those. That’s good a lot of your people chose the HSA. I wish I did years ago, it would be nice to have that little Medical nest-egg.