I love this picture. She’s just so great.
Anyway. So, we’re doing our benefits stuff this week, and I’m considering switching from a PPO to an HRA (health reimbursement account) which is basically a high-deductible plan, but with less OOP expenses. Has anyone done that? It’s about 1k less than the PPO, and this last year just seemed like we were always paying a copay for insurance we were already paying a lot for. (Disclaimer: I know, I know, we’re the lucky ones.) The year before, we had a plan switch mid pregnancy, but we hit the deductible or whatever really quickly, so I wasn’t paying much OOP, I don’t think. Also, we now have an FSA available, as well as a DCRA, neither which we’ve done before. I need to research of the DCRA is better than, in addition to, or worse than the child care tax credit. And also calculate what we should put in an FSA.
I am such a grownup. (But seriously, if you have any experience in any of this, I’d love to hear about how you figured it all out.)
Ugh, I think I’m trying to figure out the same thing. My new job offers a PPO with a Health Savings Account that the company funds? I think? Maybe? Anyway, that covers the $1500 annual deductible and then everything else is paid for. Makes me head feel funny trying to think it through.
Sorry to be totally useless but…um, Good vibes!
And btw, Ingrid makes me so happy. I have shown so many people the In a Pot on the Stove pic and the halloween octopus pics and have gotten general agreement that she’s the funniest/cutest ever.