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They are attracted to the lower premium that a HDHP usually offers but prefer the lower deductible and the copay benefits traditionally found in PPO plans. Of course, the most important consideration when choosing your health plan is making sure the types of healthcare services you need are covered by the plan you choose. Once you know you have the right benefits and providers covered, the decision really comes down to your budget. While the higher deductibles on a HDHP may seem scary, the deductible amount is often also the maximum out-of-pocket amount you will have to pay for the entire benefit year. If you stay in-network, this will be your absolute maximum liability for covered services for the year. Before making this choice however, be sure your budget can handle it. Skip to main content. Benefitfocus Blog Home InterlockSolutions TBegin a career of hope and healing

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They also offer 70, 80, or 90 percent reimbursement rates to help tailor the right premium. The Complete Coverage option for injury, illness, and hereditary diseases includes reimbursement for exam fees in addition to treatments and medications

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