Page 11 - Rubrik 2022 FAQ

2022 U.S. Benefits Frequently Asked Questions (FAQs)

UMR HDHP Plan

Q. What is an Health Savings Account (HSA) Compatible High Deductible Health Plan (HDHP)?

A. In order for a health plan to qualify as an HSA Compatible HDHP, the IRS requires a minimum deductible.
In 2022, the IRS statutory minimum deductible is $1,400 for an individual and $2,800 for an individual plus
one or more dependents (family coverage). The plan offered by Rubrik meets this requirement with a $1,500
individual and $2,800 family deductible. Under a qualified HDHP, you may establish and contribute to a
Health Savings Account (HSA) which allows you to set aside tax advantaged dollars to pay for eligible
health expenses.
Q. How does an HDHP plan differ from any other health plan?
A. The UMR‑HDHP plan is similar to the PPO plan, with coverage available both in‑ and out‑of‑network, and
enrolled members will have access to the same network of providers. The primary difference between an
HDHP plan and any other traditional medical plan is that all services are subject to a significantly higher
deductible (with the exception of preventive services). This includes physician office visits, specialist office
visits and prescription medications. Instead of set copays, you pay for the full cost of services or the full cost
of the medication until the plan deductible is met. Preventive services provided by an in‑network provider
are covered at 100% and are not subject to the deductible, so you may continue to receive those services,
such as an annual check‑up, at no cost.
Another difference is how the deductible and out‑of‑pocket maximums accrue. Individuals enrolled on the
plan will be subject to the individual deductible and out‑of‑pocket maximum. If an employee enrolls with
one or more covered dependents, the individual deductible and out‑of‑pocket maximum no longer apply.
This means that one member can potentially satisfy the family deductible. Employees that are considering
the HDHP plan must evaluate the potential out‑of‑pocket cost to determine if this plan is right for them.
Q. Do I have to pay for the full doctor’s office visit when I go to the doctor?

A. You are responsible for paying the amount your insurance has contracted to pay your doctor if seen by an
in‑network physician, typically a discounted rate, until your deductible is met. You can use your HSA for this
expense. It is best to have your doctor’s office put the charge through to your insurance so that you receive
credit toward your deductible and know exactly what to pay. Some doctors may require that you pay up front,
but most bill your insurance, and then bill you only once the claim has been processed. Make sure you do
not pay more than your portion shown on the explanation of benefits you receive from your insurance carrier.
Q. Will I be required to satisfy my deductible before the plan pays for my preventive care services?

A. No. As with all medical plans, preventive care is covered at 100% and is not subject to the deductible when
accessing care in network. For a list of preventive services, including exams, lab work, screenings and
immunizations, please look here.
Q. Do I have to pay the full cost of my prescription under the HDHP?

A. Yes. You must pay the full cost of your prescription until you have satisfied your deductible. Insurance
discounts may apply, in which case you pay the discounted insurance amount versus the retail cost of the
prescription. Make sure to present your insurance ID card to the pharmacy at the time of fill to ensure you
are paying the discounted insurance price and that your payments are applied to your deductible. Once your
deductible has been met, you will begin to pay the applicable plan copays based on the prescription drug tier.

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