As with many health care plans, yours has a deductible. The deductible is the amount you pay each year for covered medical and prescription services and supplies before WHA becomes responsible for expenses.

Some plans also require you to pay copayments after you meet your annual deductible. These are smaller, set amounts for covered services.

Once your costs for deductibles and copayments reach your annual out-of-pocket (OOP) maximum amount, you are done. WHA will pay 100% for your covered services for the remainder of the calendar year.

Great value and savings from day one

Your coverage provides a variety of preventive services - at no cost - including annual physicals, well baby care, and various health screenings.

Western Health Advantage partners with leading service providers to ensure that our members get the best rates available. This means that you'll enjoy consistent savings on your health care services and supplies.

Whereas a traditional health care plan might have a low deductible but have high monthly premiums, your high deductible health plan works the opposite way. This provides significant savings on monthly premiums while giving you more control of your health care dollars. And... if you spend less than your HSA savings, that money is yours to invest in the future.