Page 6 - McLarty 2017-2018 Benefits Booklet_Finished

MEDICAL PLAN TWO: HDHP/HSA

The HDHP option is a type of plan that actually consists of two parts—a High-Deductible Health Plan (HDHP)
that is paired with a Health Savings Account (HSA). “HSA’s” have been around for over a decade, so you

have probably read about them, or perhaps you know someone who has been covered by one. A majority of
employers offer HSA’s now and their popularity has skyrocketed over the past few years. We believe an HSA
can provide the flexibility you want in providers and protection against big medical bills, plus a unique way to
save for your medical expenses now and in the future.

High Deductible Health Plan (HDHP) High Deductible Health
BlueCross BlueShield Plan (HDHP):

Your Monthly Share of
Medical Benefits Network Non-Network Premium

Annual Deductible
10/1/2017
Individual $2,700 $5,400 -12/31/2018

Family $5,400 $10,800 Employee $104.68

Coinsurance (% you pay) 20% 40% Only
Employee +
Individual Out-of-Pocket $4,700 $8,000 $448.05
Maximum Spouse
Employee +
Family Out-of-Pocket $9,400 $16,000 $362.20
Maximum Child(ren)
Covered Services Family $705.57

Primary Care Office Visit Deductible, Deductible,
then 20% then 40% QUICK TIPS
• 100% Preventive Care
Specialist Office Visit Deductible, Deductible, • Make sure you use
then 20% then 40% network doctors and
Urgent Care Services Deductible, Deductible, hospitals

then 20% then 40% • Nurse 24 phone number:
Emergency Services Deductible, Deductible, 1-800-318-2384

then 20% then 20% • McLarty will make a
$12.50 per pay-period
Hospital- including in-patient Deductible, Deductible,
and out-patient surgical then 20% then 40% contribution to your HSA
services bank account to help
pay for out-of-pocket
medical expenses

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