Comparing HSA plans with and without Embedded Deductibles as of 7-28-08

Definitions:

Embedded Deductible

Each covered family member only needs to satisfy his or her individual deductible, not the entire family deductible, prior to receiving plan benefits*.

Aggregate

For employees covering dependents, the entire family deductible must be satisfied by one family member or the combined (aggregate) covered expenses of the entire family before any one family member can receive benefits*.

Below are HSA Plans with and without an embedded deductible by carrier. (If not marked “embedded,” the deductible is aggregate, meaning no coverage until entire family deductible is satisfied.)

Aetna

MC HSA HDHP $2300 80/50 - embedded

MC HSA HDHP $3300 80/50 – embedded

MC HSA HDHP $3000 100/50 – embedded

Blue Cross

Lumenous H S A 1500

Lumenous H S A 3000

PPO 2400 H S A

PPO 3500 H S A

Blue Shield

Shield Spectrum PPO Savings 1800/3600
Shield Spectrum PPO Savings 2250/4500

Shield Spectrum PPO Savings 2500 - embedded
Shield Spectrum PPO Savings 3000/6000
Shield Spectrum PPO Savings 4800 – embedded

CaliforniaChoice

CalChoice H S A 1500

CalChoice H S A 2400

Cigna

No HSA plans at this time

Health Net

HSA 10 (1500)

HSA 20 (2500)

HSA 30 (3500)

HSA 40 (4500)

United Healthcare  

U1O Definity HSA 1500/80%

7AT Definity HSA 2000/100%

6CL Definity HSA 2850/80%

6CK Definity HSA 2850/80% - embedded

6CI Definity HSA 3000/70% - embedded

6CJ Definity HSA 3500/70%

*With the HSA, no benefits may be paid until the deductible is satisfied with the exception of certain preventive care and certain prescription drugs.

Subject to change at anytime, please contact our office for up to date details on HSA guidelines.