I am covered by two different insurance plans from two different employers until the end of next month. The plan I will be losing is a PPO plan with office visit and prescription copays and 10% coinsurance. The other plan that I have is an HRA. Where I entered into it late, I was only allotted $583 of the normally $1000 yearly amount. I then have a $1500 bridge until everything is covered 100%. Thus far I have been putting my PPO plan as primary but am wondering if that makes the most sense. If I use my HRA and deplete the balance, will my PPO plan up the difference? I'm trying to figure out what would be best for my situation since the HRA will be the only coverage I have after next month. I have some diagnostic imaging being done here in the next couple of weeks and may need an endoscopy done as well, so this will run through my HRA funds pretty quick. Whereas what I have been doing is having my traditional insurance pay the 90% and the HRA cover the rest.
Thanks!