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.
Read more:
- Choosing a insurance plan
- Health maintenance organizations (HMOs)
- Preferred provider organizations (PPOs)
- Point-of-service (POS) plans
- health savings accounts (HSAs)
thanks nih gan, artikelnya sangat membantu sekali. bagus untuk bacaan sehari-hari.
ReplyDeletemembaca postingan diatas patut dijadikan motivasi buat saya atas prestasinya, makasih banyak gan atas sharenya, di tunggu share selanjutnya salam
ReplyDeletesemoga dapat bermanfaat buat kita semua. Amin . . . . artikelntya sangat bagus sekali. Senang sekali berkunjung ke website anda.
ReplyDeleteselamat beraktivitas. . .mari kita awali aktivitas hari ini dengan menyimak informasi yang aktual di halaman yang sangat luar biasa ini !!!
ReplyDeleteTeriamakasih infonya. semoga bermanfaat buat kita semua. salam sehat!! Informasinya sangat menarik sekali.
ReplyDeleteterimakasih banyak ya? sudah berbagi cerita & berita yang sangat menarik. akhir-akhir ini sudah jarang mendapati blog berisi artikel manfaat seperti ini, keren!!
ReplyDelete