HSA和PPO健康保险之间的差异

关键区别 - HSA vs PPO健康保险

许多人在需要时使用健康福利计划来支付其医疗费用。在许多此类计划中，HSA（健康储蓄帐户）和PPO健康保险（首选提供商组织）是美国类似要求的两个流行选择。HSA和PPO健康保险之间的主要区别在于HSA是一个tax-advantagedhealth benefit plan exclusively available to美国纳税人正在加入高扣除健康计划（HDHP）whereasPPO is a cost sharing health plan that collaborates with medical services providers such as hospitals, doctors and other medical specialists to create a network of participating providers.

内容

1.Overview and Key Difference
2.What is HSA
3.What is PPO Health Insurance
4.Side by Side Comparison – HSA vs PPO Health Insurance in Tabular Form
5.概括

什么是HSA？

HSA (Health Savings Account) is a tax-advantaged health benefit plan exclusively available to taxpayers in the United States who are enrolled in a High-Deductible Health Plan (HDHP). HDHP is ahealth insuranceplan that offers lower premiums and higher tax deductibles than a conventional health plan. The minimum deductible amounts for an HSA-eligible HDHP are established by the Treasury Department every year. The Treasury Department specifies individuals the information and resources they need to make informed health care decisions for themselves and their families. Funds can be withdrawn for a number of qualified medical expenses including vision and dental related costs.

Contributions to HSA is not taxed, and the funds in the account grow tax-free. Further, distributions for qualified medical expenses are tax waived off as well. Funds in HSA is accumulated over the years where individuals can spend many years before using the funds. Employees are also allowed to withdraw funds for non-medical expenses; however, in that case, a penalty will be applicable. In this aspect, HSA is very similar to anindividual retirement account (IRA)。Furthermore like in HRA, there is a maximum limit of funds.

What is PPO Health Insurance?

PPO (Preferred Provider Organization) is a cost sharing health plan that collaborates with medical services providers such as hospitals, doctors and other medical specialists to create a network of participating providers. If a patient uses participating providers in the network, the charges will be lower compared to consulting a provider outside the network. Once a patient sees a doctor who is a part of this program, the patient will pay a part of the cost and the PPO will pay the remainder. PPO health insurance is a convenient choice for patients who require special attention and want the freedom to select a number of service providers without needing a referral. This type of health plan is often characterized with high premiums and usually a copay (a fixed amount the patient has to pay prior to receiving a service from the medical specialist). PPO plans are largely different from one another especially with regard to out-of-network coverage.

Since PPO contributes to a part of the cost, they will need to ensure that the health care service is absolutely necessary for the patient. As a result, the patient is required to obtain pre-authorization before expensive tests and treatments where payment will not be made by the PPO if there is no authorization.

HSA和PPO健康保险有什么区别？

HSA vs PPO健康保险
保险公司是一个税收优惠的健康福利计划那个ively available to taxpayers in the United States who are enrolled in an HDHP.	PPO is a cost sharing health plan that collaborates with medical services providers such as hospitals, doctors and other medical specialists to create a network of participating providers.
HDPD的注册
HSA专门用于参加HDHP的个人。	要申请PPO健康保险，无需HDHP。
成本
成本s incurred are claimable in HSA if they were incurred for qualified medical expenses.	在PPO中，健康保险成本在患者和PPO提​​供商之间分担。
Premium
HSA incurs low premiums.	PPO健康保险的保费通常很高。
预授权
Under HSA pre-authorization is not required.	PPO health insurance requires pre-authorization from the service provider.

摘要 - HSA vs PPO健康保险

HSA和PPO健康保险之间的差异是HSA偿还合格的医疗费用的独特之处，而PPO健康保险则建立了一个医疗服务提供商网络，无需转介就可以选择。重要的是要注意，这两个计划不是健康保险。选择任何计划时，应仔细考虑相关的费用和收益，因为收取的保费和其他付款彼此不同。

Download PDF Version of HSA vs PPO Health Insurance

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参考：

1.“健康储蓄帐户 - HSA。”Investopedia。N.P.，2015年10月23日。Available here.2017年7月5日。
2. “How to Get Affordable PPO insurance.” HealthMarkets. N.p., n.d. Web.Available here。2017年7月5日。
3. Berger, Rob. “14 Surprising Facts About Health Savings Accounts (HSA).” Forbes. Forbes Magazine, 02 Dec. 2016. Web.Available here.2017年7月5日。

Image Courtesy:

1. “563427” (Public Domain) via Pixabay
2. “Doctor consults with patient (4)”By National Cancer Institute (Public Domain) viaCommons Wikimedia