Page 9 - 2022 DPR Construction Benefit Guide_Administrative Employees

The HDHP and HSA: How They Work Together

Together, your and DPR Construction’s contributions can cover a portion of your deductible and coinsurance.

Free In-Network Deductible Coinsurance Out-of-Pocket Maximum
Preventive Care
To emphasize the You pay for your Once the deductible is met, The plan limits the total
importance of wellness, initial medical costs you and the plan share any amount you’ll pay each year.
preventive care is covered until you meet your further health care costs Once you meet your
at 100%, if you annual deductible. until you meet the out-of-pocket maximum,
receive this care from This deductible is higher out-of-pocket maximum. the plan pays 100% of your
in-network providers. compared to the other eligible, in-network expenses
medical plans, but offset by for the remainder of the year.
HSA contributions you and
DPR Construction may make.

How the HSA Works EXAMPLE: Yolanda enrolls herself only in the HDHP
with HSA. She chooses to use her HSA to pay for covered
Please note: Funds available for reimbursement are limited services — this reduces her out-of-pocket amount needed to
to the balance in your HSA. meet her deductible before her health plan begins to pay.

YEAR 1 EXAMPLE YEAR 2 EXAMPLE
Choose the High Deductible Health Plan
during enrollment.
DPR Construction deposits DPR Construction deposits
$750 in Yolanda’s HSA $750 in Yolanda’s HSA
DPR Construction opens an HSA
(HSA Bank) for you and you begin to make She contributes $2,800
deposits into your account .
*
for a total of $3,550
She contributes $2,800
You determine how much to for a total of $3,550
contribute (tax-free) to your HSA $2,850 rolls over from
each pay period. last year for a total of $6,400

Use money in your HSA
for eligible medical, dental She uses her HSA to pay She uses her HSA to pay
and/or vision expenses. $700 of eligible expenses $1,250 of eligible expenses

Money left over at the end of the
year rolls over for future use She has $2,850 in She has $5,150 in
and can be invested. her HSA to roll over her HSA to roll over
to next year to next year
* You are required to confirm your identity to HSA Bank in accordance with
the USA Patriot Act.

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