| Author | Message | ||
Leol Junior Artist Username: Leol Post Number: 75 Registered: 03-2012 Posted From: 208.44.95.13 Rating: N/A |
Main benefit of going with a CDHP plan is you get to save in a HSA account. HSA can be treated as a retirement savings account with double tax benefit. Your pre-tax money goes in and your earnings are tax free as long as you use them for medical expenses. The trick is to save all your medical bills and pay with money from your pocket and not use the HSA funds. If in the event you need to withdraw HSA funds you can submit the bills any year and withdraw funds. For citizens or for those who are hellbent on staying in US this is a very good option to save for medical expenses in your retirement. Please read these two articles for pros and cons - https://www.morningstar.com/articles/887257/3-underdiscussed -ways-to-use-a-health-savings-acco.html https://whyy.org/segments/do-high-deductible-plans-lead-to-b etter-health-care/ | ||
Analog Side Hero Username: Analog Post Number: 4894 Registered: 05-2008 Posted From: 207.43.172.140 Rating: N/A |
I am sure. we are paying all our dental/medical/vision expenses from HSA card even though we have separate dental and vision plans. But Some of these eligible HSA expenses may not apply to your health insurance deductible | ||
Khaleja Side Hero Username: Khaleja Post Number: 6171 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
ya. benefitstream ani edo link icharu. chosthunna adi.they said company also contributes ani. entha anedi cheppaledu. aa link chosaka update chestha | ||
Mikkymouse Hero Username: Mikkymouse Post Number: 13919 Registered: 04-2008 Posted From: 70.191.59.106 Rating: N/A |
Booklet edo untundi choodandi, in network ki entha out of net work ki entha, hsa vs ppo coverage anni unna details. Nuvve unna kannulatho mare vanka choodanani reppa venuka ninne ella kaalam dhachani... | ||
Khaleja Side Hero Username: Khaleja Post Number: 6170 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
enrollment lo emi details ivvaledu ento. just monthly entha pay cheyyali rasi undi anthe. email chesanu. vachaka cheptha | ||
Mikkymouse Hero Username: Mikkymouse Post Number: 13918 Registered: 04-2008 Posted From: 70.191.59.106 Rating: N/A |
HSA ki mee premium entha? Dental and vision ki entha? mee deductable for family entha, copays untaya (normally co pay cheyyakkara ledu) , year ki main vi free visits unnaya ani adagandi. Then HSA ki vallu entha contribut3e chestaro kanukondi. Most of the time year ki oka wellness exam free untundi, kids ki age ni batti multiple visits free. Avi kaka emanna visits unte towards deductable employer vesina money tho cover ayipothundi, inkocnhem unte meeru HSA ki contribute chesina pre tax moeny use avuthundi. So compare chesukondi, still confuse ayithe aa list ikkada pettandi. Ela choosukunna HSA lone ekkuva save chese chances unanyi. Nuvve unna kannulatho mare vanka choodanani reppa venuka ninne ella kaalam dhachani... | ||
Andhrawala Legend Username: Andhrawala Post Number: 72625 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
//ok. so ee amount emi waste avvadu. sare hsa ee nee thesukunta Hemu - HSA is basically medical 401K anukoo Employer contributes from $500 to 1500. We can do max upto 5K. basically pretax dollars. Ideally you can contribute minimum of premium change plus copya with other plan. This money can be used anytime. Will be urs. No Signature | ||
Khaleja Side Hero Username: Khaleja Post Number: 6165 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
oh. ee details theledu. meeting ayyindi kani naku antha ardam kaledu. sare email chestha ee question tho. | ||
Khaleja Side Hero Username: Khaleja Post Number: 6164 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
ok. so ee amount emi waste avvadu. sare hsa ee nee thesukunta | ||
Mikkymouse Hero Username: Mikkymouse Post Number: 13917 Registered: 04-2008 Posted From: 70.191.59.106 Rating: N/A |
Premium ki kadu, HSA account lo mee employer emanna vestada? For ex. maa employer month ki $100 vestadu. Plan lo unna members (not only you)Mediacal bills ki vadu kovachu, adi use kakapothe carry forward avuthoo untundi. Alane HSA lo year ki family ki $7000 veyyachu (including employer contribution), pre tax money. So year end taxes exempt la use avuthundi kooda. Nuvve unna kannulatho mare vanka choodanani reppa venuka ninne ella kaalam dhachani... | ||
Ysr2009 Side Hero Username: Ysr2009 Post Number: 6838 Registered: 03-2014 Posted From: 129.135.1.217 Rating: N/A |
CDHP ( HSA )  | ||
Analog Side Hero Username: Analog Post Number: 4892 Registered: 05-2008 Posted From: 207.43.172.140 Rating: N/A |
If you decide to go with HSA consider putting max amount (or whatever the amount your want to contribute) in the first few months so you dont have to deal with claims and stuff if there are any doctor visits in the beginning of the year. 2 years ago when I switched my health plan from regular PPO to HDHP+HSA I did the same. | ||
Khaleja Side Hero Username: Khaleja Post Number: 6154 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
ee roju meeting undi annai. mostly HSA ki veltha emo. chodali. | ||
Andhrawala Legend Username: Andhrawala Post Number: 72576 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
Hemu - final gaa emi thelchevu?? mee Emplyer HAS account lo emanna vesthunnadaa Typical gaa mana save ainattu gaane premium kontha employer ki kooda save avvudhi. So they share part of it by giving it towards HSA aaccount contribvution Me doing HSA for last two years. 2019 ki koodaa went with HSA No Signature | ||
Moviebuff001 Hero Username: Moviebuff001 Post Number: 11815 Registered: 06-2013 Posted From: 73.136.80.68 Rating: N/A |
I do the same. But FYI, you should subtract employer contribution of 1200 from 7K limit. You can only contribute 5800 into HSA account. _________________________________________________ Your words will tell others what you think. Your actions will tell others what you believe in. | ||
Analog Side Hero Username: Analog Post Number: 4891 Registered: 05-2008 Posted From: 99.149.238.117 Rating: N/A |
Yep I am FT. My HDHP(high deductible health plan) PPO premium is 37$. Employer gives 1200$ towards HSA account. Rest of the 5800$ divided into 26paychecks(7K is the limit for 2019) which is 233/pay check I paid all payments (co-pays,emergency room /dental /pharmacy )from HSA account last year. | ||
One Hero Username: One Post Number: 19582 Registered: 09-2008 Posted From: 73.43.31.78 Rating: N/A |
wrong information | ||
Moviebuff001 Hero Username: Moviebuff001 Post Number: 11814 Registered: 06-2013 Posted From: 73.136.80.68 Rating: N/A |
Full time employees ki 40-120 rates per paycheck untayi. I am not sure if OP is traditional exempt full time employee. Thinking a consulting job. Could be the reason for difference in premiums. _________________________________________________ Your words will tell others what you think. Your actions will tell others what you believe in. | ||
Andhrawala Legend Username: Andhrawala Post Number: 72550 Registered: 03-2008 Posted From: 136.56.133.84 Rating: N/A |
Analog gaaru cheppedhi correct kaadhu HSA premium will br diclosed. Also HSA account lo entha vesukuntaamu anedhi completely mana pregorative. No Signature | ||
Bobby Junior Artist Username: Bobby Post Number: 508 Registered: 04-2008 Posted From: 192.12.146.202 Rating: N/A |
Are you sure on this ? If you don’t contribute additional amount ,just pay monthly payments $574 per month Then HSA account will have $6000 , which covers the deductible ? | ||
Khaleja Side Hero Username: Khaleja Post Number: 6152 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
super details andi. ayithe inka idi select chesestha inka.  | ||
Analog Side Hero Username: Analog Post Number: 4890 Registered: 05-2008 Posted From: 207.43.172.140 Rating: N/A |
HSA is clear winner. BTW HSA is kuda PPO plan ye. It is a High deductible health plan which allows you to put tax free dollars into health saving account (state taxes apply) Actual premium for HSA is usually less than 40$ per pay check. Meeru cheppe 574$ lo 500+ is going to your HSA account. you can make payments for CO-pays/Pharmacy bills/all other eligible health care expenses from this HSA account. In case of regular PPO account , you loose all the amount end of the year plus co-pays etc post tax dollars pay cheyyali... Also If you have any money left in your HSA at the end of the year, it will continue to roll over year after year. Last year we had lot of hospital visits, I am glad I chose HSA. BTW you can pay ortho payments/dental treatments etc with your HSA card. You dont need to have dental insurance. Eligible expense ayithe chalu | ||
Khaleja Side Hero Username: Khaleja Post Number: 6151 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
ya anthe emo. | ||
Legend Username: Twitter Post Number: 63215 Registered: 10-2009 Posted From: 66.194.212.183 Rating: N/A |
naku ma employer em contribute cheyadu mothham nene may be neeku mee vadi contribution undhemo.. and depends on state too | ||
Khaleja Side Hero Username: Khaleja Post Number: 6150 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
adenti. naku 574 choyisthundi monthly. | ||
Biggboss Side Hero Username: Biggboss Post Number: 6301 Registered: 08-2017 Posted From: 24.6.111.180 Rating: N/A |
Kaiser HMO - super idhi - one stop shop for everything billing lolli undadhu - delivery ki $250 pay chesanu co-pay taruvatha intiki okka bill kuda raaledhu nenu aithey since 2007 on Kaiser HMO and I only pay $110 per month for a family of 3 (usual co-pays $20 per visit, free lab exams) | ||
Legend Username: Twitter Post Number: 63211 Registered: 10-2009 Posted From: 66.194.212.183 Rating: N/A |
too much expensive idhi i pay 1650 per month before tax money for family of 4 | ||
Khaleja Side Hero Username: Khaleja Post Number: 6148 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
vaake. HSA select chesi uncha. repu meeting tharuvatha enroll avutha.
yaa, expensive ee undi. | ||
Moviebuff001 Hero Username: Moviebuff001 Post Number: 11809 Registered: 06-2013 Posted From: 165.225.34.171 Rating: N/A |
HSA to PPO 2148 in premiums difference undi kada... If you/family do not use health insurance much or just a couple of vitis in a year, HSA is the way. If you have an emergency visit, and it costs 2K, you will end up paying the deductible in HSA a plan and still be better off with HSA plan. If someone has to visit the doctors ans specialists, then, I would say PPO is better option. But that also has a deductible. You have to look at what is co-pay and other factors... In general, HSA plans are better these days. That is what the employers want you to pick too. _________________________________________________ Your words will tell others what you think. Your actions will tell others what you believe in. | ||
King Side Hero Username: King Post Number: 3315 Registered: 08-2013 Posted From: 66.128.17.123 Rating: N/A |
its too expensive. evadu mee employer? | ||
Khaleja Side Hero Username: Khaleja Post Number: 6146 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
oh adi theledu. repu meeting undi. kanukkunta ayithe. | ||
Khaleja Side Hero Username: Khaleja Post Number: 6145 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
ippudu konchem ardamainatte undi. ayithe ee year HSA thesukoni chostha. | ||
Alochinchu Side Hero Username: Alochinchu Post Number: 2328 Registered: 03-2008 Posted From: 65.51.27.4 Rating: N/A |
This is employer portion to your insurance.. Awala is asking about contribution to your HSA account if you elect High deductible plan.. | ||
Khaleja Side Hero Username: Khaleja Post Number: 6144 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
ante example ki chepthuna. oka 20k karchu ayyindi anuko denikanna year lo. PPO lo oka 2K kadatham mana chethi nunchi other than the regular monthly insurance payments. ade HSA ayithe koda similar ga untunda? | ||
Rahul Moderator Username: Rahul Post Number: 8111 Registered: 12-2010 Rating: N/A |
HSA, Deductible is 2600, Untill your medical expenses reach 2600, insurance vadu emi pay cheyyadu, after 2600 , you pay coninsurance(10%,15% depending on plan) untill toltal reaches to 5200, tarvatha 100% insurance pays PPO lo you pay copay's and co-insurance untill 1500. Andukey no of visits takkuva vuntey HSA best Biryani... Parvathi... Lacha | ||
Alochinchu Side Hero Username: Alochinchu Post Number: 2326 Registered: 03-2008 Posted From: 65.51.27.4 Rating: N/A |
Win-Win Situation.. Put the premium difference in HSA Account.. even if you use all to deductible you are not losing more than PPO.. if you do not use it much that money will be saved into your HSA account.. Always put in HSA account.. maximize if possible.. it is more like 401K for health.. | ||
Khaleja Side Hero Username: Khaleja Post Number: 6143 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
kiki. ante eppudu PPO lo vellioyevadini. ippudu maree costly ayipoyindi. hospital karchulu ante usual ga pillala fever, regular visits. | ||
Khaleja Side Hero Username: Khaleja Post Number: 6142 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
employer 1491 per month contribute chesthadu. manam 574. | ||
Rahul Moderator Username: Rahul Post Number: 8109 Registered: 12-2010 Rating: N/A |
ala emi ledu..you can either use from that account or choose to leave it for investments. Aa count lo money ayipoyina u can pay from your regular accounts. Account lo money migilithey ,it rolls over to next year. Biryani... Parvathi... Lacha | ||
Andhrawala Legend Username: Andhrawala Post Number: 72549 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
// HSA 2600/5200 - 574 PPO 1500 - 753 // Saving between HSA and PPO is $175 per month or around 2000 per year HSA theesukunte mee employer initial contribution isthaadaa. Por example my wife's em,ployer gives $500 for single and 1000 as employer's contribution to HSA No Signature | ||
Alochinchu Side Hero Username: Alochinchu Post Number: 2325 Registered: 03-2008 Posted From: 65.51.27.4 Rating: N/A |
Does your employer giving contribution to HSA account? | ||
Polavaram Side Hero Username: Polavaram Post Number: 3756 Registered: 08-2016 Posted From: 99.203.28.53 Rating: N/A |
Hsa besstu option Ppo lo kanna Ppo lo use it or lose it type Hsa money can be used in investments Ante mari regular ga doc daggariki vellaka pothe hsa better Deductable amt difference vuntundhi ppo ki hsa ki Na vote hsa | ||
Rahul Moderator Username: Rahul Post Number: 8108 Registered: 12-2010 Rating: N/A |
Annai minimum basic research kuda chesinattu levu kada  Biryani... Parvathi... Lacha | ||
Rahul Moderator Username: Rahul Post Number: 8107 Registered: 12-2010 Rating: N/A |
depends on how many visits you make to a Doctor in a year. Less no of visits, HSA is better since you have to pay 100% of the charges until you reach your deductible. I switched to HSA last year. Biryani... Parvathi... Lacha | ||
Khaleja Side Hero Username: Khaleja Post Number: 6141 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
idi ela cheptham. ante only aa account lo unnave vadalsi vasthada bills ki. ade PPO ayithe itha insurance covered ala untada? | ||
Polavaram Side Hero Username: Polavaram Post Number: 3755 Registered: 08-2016 Posted From: 99.203.28.53 Rating: N/A |
If you are not going to use medicines or not goung to dic Hsa lo padesthe Hsa dabbu market lo invest chesukovacchu | ||
Khaleja Side Hero Username: Khaleja Post Number: 6140 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
options HSA 2600/5200 - 574 PPO 1500 - 753 PPO 250 - 963 HSA ante saving account ani undi ento | ||
Saidabad Junior Artist Username: Saidabad Post Number: 122 Registered: 07-2017 Posted From: 173.36.240.168 Rating: N/A |
Kaiser HMO if you have....moved to this after decade on PPO  | ||
Shivavishnu Side Hero Username: Shivavishnu Post Number: 3774 Registered: 10-2010 Posted From: 8.45.137.10 Rating: N/A |
do you mean HMO vs PPO? I always take PPO. Om Namah Shivaya.....Om Namo Narayanaaaya.... | ||
Khaleja Side Hero Username: Khaleja Post Number: 6138 Registered: 09-2009 Posted From: 104.189.156.240 Rating: N/A |
edi better  default ga PPO thesukone vadini. ippudu PPO baga costly ga undi. month ki 753 undi. HSA 574 undi. edi better. |