Senin, 06 Januari 2014

High-Deductible Health Plan With Health Savings Account

High-Deductible Health Plan With Health Savings Account

You may be able to pay less for your insurance with a high-deductible health plan. With an HDHP, you may have:

  • One of these types of health plans: HMO, PPO, or POS
  • Higher out-of-pocket costs than many types of plans, but if you reach the maximum out-of-pocket amount, the plan pays 100% of your care
  • A health savings account (HSA) to help pay for your care because the money you put in savings is not taxed
  • A moderate amount of paperwork
  • To manage your own health care or use a primary care provider, depending on the plan
W hat doctors you can see . This varies depending on the type of plan — HMO, POS, or PPO
What you pay.
  • Premium: The premium is the lowest for a HDHP compared to other plans.
  • Deductible: The deductible is high — sometimes more than $3,000 a year for one adult and $6,000 a year for a family. With an HDHP, though, your preventive care is free even if you haven’t met the deductible.
  • Copays or coinsurance: The kind of health plan you have — HMO, POS, or PPO — determines which one you pay.
With an HDHP, your out-of-pocket spending is capped. For instance, if you have insurance only for yourself, the most you have to spend in a year is about $6,250. If your insurance plan is for your family, the most you have to pay in a year is about $12,500. The totals include your deductible. If you reach this amount, the HDHP pays 100% of your care.
Paperwork involved. The amount of paperwork varies, depending on whether you get care from a PPO, HMO, or POS plan. Keep all your receipts so you know when you’ve met your deductible.
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2 komentar:

  1. izin simak ya admin buat artikelnya, postingan yg bermanfaat sekali. terimakasih atas informasinya sangat bermanfaat.

  2. nice post, gan... Keep posting!!