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How does the deductible and out-of-pocket maximum work with the Healthy Savings Plan?

The deductible is the total amount members are required to pay each year before the plan begins to pay a benefit. Under the Healthy Savings Plan, if you have individual coverage, you must satisfy the individual deductible before any benefit will be paid. If you have family coverage (two or more are covered), you and/or your dependents must satisfy the family deductible before any benefits will be paid for any member.

Both medical and pharmacy (prescription drug claims) expenses combined accumulate toward a single Healthy Savings Plan deductible and maximum out-of-pocket amount, which is different than the other two insurance plans--the PPO Plan and Custom Network Plan have separate medical and pharmacy deductibles and out-of-pocket limits.

See the Healthy Savings Plan webpage for details about specific deductibles for a given calendar year.

Reviewed 2016-08-11