Page 12 - NRDC Benefits Guide for 2022

HSA Quick Guide

Your Basics Are Covered
If bill is $100:
There is NO CHARGE for in-network preventive care services. You pay You pay: Plan pays:
no charge for keeping yourself healthy, $0 for physicals, well visits, and $0 $100
preventive screening services.

Use Your HSA Funds to Pay for Qualified Medical Services

If bill is $100:
Until you met your deductible, you will pay 100% of the cost of services
when you get sick, are hospitalized, or need prescription drugs. If you You pay: Plan pays:
have money in your HSA account, you can use the funds to pay for those $100 $0
expenses. NRDC HSA contributions are funded on a bi-weekly basis.

Deductible – The amount of money you have to pay before Cigna will
make any payments toward healthcare services. Your deductible
amount varies based on the plan you select.

Help is On the Way
If bill is $100:
Once you meet the deductible, you split the cost of your medical and
pharmacy expenses based on your co-insurance. Under the HSA plan for You pay: Plan pays:
in-network services, you pay 10% and Cigna pays the remaining 90% $10 $90
until you reach the out-of-pocket maximum. If you have funds in your HSA
account, you can use those to pay for co-insurance costs.

Co-insurance – Your share of the costs of a covered healthcare
service. It’s a percentage of the amount charged for services. You start
paying co-insurance after you’ve paid your deductible.

You’re Done! The Plan has it from Here
If bill is $100:

Once you reach your out-of-pocket maximum, your medical and
prescription drug expenses are now paid 100% by the plan. You pay: Plan pays:
$0 $100

Out-of-pocket maximum – An annual limit on the amount of money
that you would have to pay out-of-pocket for healthcare services.

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