Both seem to be identical except the Option plans will cover ‘Out of Network’ doctors at 50% but is 10% more expensive, costing us an additional 10% or $1400 per year. Seeing that we have not used our health insurance for years and that the HSA plans have a $4000 deductible, I see no reason to pay the extra money. Seems the reason people choose the PPO plan is so that they will have access to a favorite doctor. Praise God, have not had to worry about anything that the urgent care center has not been able to handle for years.
Still, if anyone has any last minute advice, I a all ears.