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.
Well, I call it a hybrid because we redesigned our insurance plan back in 2011 and this PPO plan is not like our old PPO plan, where NOTHING paid until you met the deductible and EVERYTHING counted towards it. We’ve been moving towards ‘industry standards’ on our plans the past decade, so it could be that’s the way the industry packages a PPO plan nowadays.
And you’re right-it’s hard to pick out which way you would come out best financially since there’s so many variables. I can estimate based on past claims experience, but it’s hard to take into account an unplanned surgery or illness, a change in prescription needs that shoots your expenses sky-high, etc.