Page 14 - OpenX 2022 Book of Benefits

» If you elect to contribute to a flexible spending account, you can use your pre-tax funds to pay
for out-of-pocket medical costs.

The CDHP + HSA

Like the PPO, a Consumer Driven Health Plan (CDHP, also known as HDHP) plan allows you to choose
your preferred provider, but it also puts you in more control of your health-care decisions and your
spending by working hand in hand with a Health Savings Account brought to you by PayFlex.

The CDHP features a lower monthly premium, affording you the opportunity to save health-care
dollars until you actually need them, and gives you more flexibility by providing some out-of-
network coverage after your deductible is met. In-network coverage will always be at a cheaper
rate, but keep in mind there is no fixed-rate copay with this plan. A consumer driven health plan
encourages members to closely analyze their health-care decisions and the type of care utilized as
these plans enforce a relatively larger deductible, or out-of-pocket cost, before cost sharing by the
insurance company (coinsurance) kicks in. A CDHP plan operates as follows:

» You are financially responsible for all eligible expenses, such as doctor’s or specialist visits,
prescriptions and lab charges until the deductible has been met.

» Regardless of whether or not you have satisfied the deductible, several types of screenings,
immunizations and other forms of in-network preventive care will be covered by Aetna at 100%.

» Once the deductible is met, the plan pays a large percentage of eligible expenses until the out-
of-pocket maximum is reached.

» Similar to a traditional Preferred Provider Organization (PPO) plan, you may use the provider of
your choice, but the plan will pay more if you see in-network physicians or facilities.

» After reaching the out-of-pocket maximum, covered expenses are paid at 100% for the
remainder of the plan year.

» CDHPs can be paired with a Health Savings Account (HSA) to help pay for qualified health care
expenses.

» Depending on your coverage tier, OpenX will contribute money to your HSA account, which can
be used to pay for current and future out-of-pocket expenses.

» On your Aetna CDHP plan, you will pay out of pocket for prescription costs until your deductible
has been met, after which time co-payments will apply.

How Do the CDHP and HSA Work Together?

A Health Savings Account, or HSA, is a bank account where employees can contribute pretax payroll
dollars to use for qualifying medical expenses. Contributing to an HSA on a pretax basis can help
lower your overall taxable income. You must be enrolled in the Aetna CDHP HDHP plan to be eligible
for an HSA account with PayFlex.

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