So I am primary currently and through my employer we get a significant contribution to our HSA if we have the HDHP. It's worked out great so far once we hit our family ded we owe 0% unless it's out of network which is then 20% up to a max of 10K.
My kids mom is getting a new job and health coverage is included in her benefits (I'm pretty sure at no cost) and I think it's a typical PPO plan with a co-payment (not sure on cost of that).
I think (if we have a choice) keeping mine as primary where we pay the full cost of the visit up to my max deductible, and having hers as the secondary would be the most beneficial?
In this case, say the Dr visit for us is $120 after all "credits" under my plan alone we split that $120 and that goes towards the deductible. With hers being secondary it would pick up the tab of that $120 and we might owe the co-payment? But that $120 would go towards my deductible still correct?
I'd call insurance but even they don't know how the plan works haha and would probably recommend whatever is best for them anyways.
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