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[quote=Anonymous]I have UHC HDHP - primarily because we're using medications that have savings cards  - the discounts on these count towards our deductible. so basically, free money towards deductible, really low premiums.

we have. had zero issues, everything has been in network EXCEPT flu shots with minute clinic (and I did win an appeal on this based on a pdf on their site that literally said to use minute clinic for a flu shot).

I haven't had any problems with claims being processed. my DD's endocrinologist is concierge and I did go ahead and submit the superbill to see if anything will be reimbursed, but I don't really care. I just hit my deductible and have a 10k procedure scheduled for next week, I pay $250. I don't really know if I'm coming out ahead with the HSA, but I also did not want to move because I have a PA for medications and I wanted to remain with UHC for coverage. next year I will re-evaluate. but oh boy PP gives me pause. I get in-office infusion treatments WEEKLY, plus CBC every week. I cannot afford to get screwed and I don't think I should depend on max OOP for just a regular year of my healthcare.

Anyways. Nobody here has mentioned checkbook. your agency MAY provide access gratis (mine does not). you should be able to go to the DC library and get access. it was worth the $13 or whatever for me to subscribe last year when I came on new. it took a lot of sorting and figuring but eventually I "got" it.

https://www.checkbook.org/newhig2/hig.cfm[/quote]

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