Reply to CareFirst HDHP — what am I missing?

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Reply to "CareFirst HDHP — what am I missing?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I would be all for the HDHP if there was any price transparency in the healthcare market.  There is so much f*ckery that goes on behind the scenes it is extremely difficult to understand what your costs will be.[/quote]

I don't think the price transparency problem impacts HDHP participants more than PPO participants.  What something costs and whether or not it is covered is a function of the Plan/agreement itself (i.e. BCBS' T&C with your company).  How much you pay is what is defined by HDHP vs PPO.  If you pay more for a particular service, you meet the annual limit sooner.[/quote]

PP here and it seems like it does impact HDHP more if you're paying the entire cost to meet your deductible vs a $30 copay regardless of cost.  Also, that's not really true about what determines how much something costs.  WSJ did a piece on this a while back and health care providers will use different codes with different insurance providers for the same procedure to maximize the reimbursement from insurance so the cost of your procedure is going to vary depending on how they code it.  [/quote]

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