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Werewolfdad t1_iybo9mh wrote

You’d pay full price for the inhaler on the HDHP plan so the second one is probably the best option

Hsa-eligible hdhps can’t cover prescriptions until the deductible is met

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Nickyweg OP t1_iyboeud wrote

That’s what I’m confused on. Both of the drug calculators say $0 cost to me

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Werewolfdad t1_iybohhf wrote

That may be after the deductible for the HDHP

No coverage means no coverage

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Nickyweg OP t1_iyboqf2 wrote

I’m wondering if it’s wrong then. Both pre and post say $0.

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Werewolfdad t1_iybp0gr wrote

It may not be Hsa eligible.

May be worth investigating

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Mysunsai t1_iybp8m6 wrote

Asthma management is often included on preventative drug lists for HDHPs. No coverage actually means “no coverage except for preventative care.”

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Nickyweg OP t1_iybpf9z wrote

So am I correct in thinking the main difference is how out of network non emergencies are handled ?

I do like that the EPO covers free minute clinic visits

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Mysunsai t1_iybqga1 wrote

In network max OOP and in network routine care (office visits, lab work) as well.

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Nickyweg OP t1_iybqj2l wrote

Which would you think is the better option for my situation ?

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