The HSA is actually an HMO, but you can invest more. I would rather cash in on my HSA than retirement. This option was 5% more, but just about every cost was cheaper. It had a lower deductible and maximum. The non-HSA HMO had flat fees for two things and 45% coinsurance for everything else. The HSA version had 10% coinsurance for everything. Maybe the 10% coinsurance could cost more than the flat rate in some circumstances, but the HSA version looked better.
I also signed up for dental insurance for the first time in a long time. I honestly do not know if I had it in Page, but I had a couple cleanings when I was visiting Phoenix. My old dentist charged the same whether or not you had insurance, so why pay extra?
However, I doubt that I can find anyone like that up here, so it probably makes sense to pay protection money so that I do not pay inflated rates. Of the first three plans on the list, only one covered major dental, so I chose that one. Make sure that your provider or facility is on the list!
I really hope that Blue Cross Blue Shield covers the only hospital in the area. The only other hospitals that Google shows are for animals.
Is that cheaper?
"Xist, you have a bad case of ringworm!"
"I knew it!"
I have not been to any dentists up here. I am sure there will be a reckoning. The dental insurance that I chose showed eight dentists in my town.