HSA-Compatible High-Deductible Plans

An HDHP covers health care services (office visits, hospital tests, therapy, prescriptions, etc.) that are not considered preventive only after an individual or a family has met the deductible. The deductible is usually waived for preventive care services. Typically, an HDHP features a lower insurance premium and a higher deductible than traditional plans. WHA offers some HDHP plans that include a health savings account (HSA), but not all HDHPs are HSA compatible.

You pay a low monthly premium while still getting no-cost preventive care. If your HDHP is HSA compatible, you can use your HSA to pay for covered services.

You have a deductible to meet each benefit year. The deductible must be satisfied before your health plan will cover the expenses for covered services received.

• Deductible: Your health care plan has a deductible. The deductible is the amount you pay each year for most covered medical and prescription services and supplies before WHA will cover those services. The premium and the deductible are separate. Your premium is the monthly amount you pay to the health carrier for benefit coverage. Premiums do not count toward the deductible in your health plan.
• Copayments: Your plan may also require you to pay copayments after you meet your annual deductible. These are typically smaller dollar amounts or percentages for covered services.
• OOP Maximum: Once your deductible and copayment costs reach your annual OOP maximum amount, you are done. WHA will cover 100 percent of your covered services for the remainder of the calendar year.

Deductibles vary depending on the plan you selected and whether you are enrolled as a self-only, an individual within a family or as a family. For specific comparisons of the deductible within each plan, look at the copayment summary of the plans you are interested in.

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. 

Use our medical service cost estimator to see what is the estimated cost of a specific service you intend to receive.

Covered non-preventive medical and prescription expenses apply toward the deductible, as described in the plan. Examples include charges for office visits with doctors, inpatient and outpatient hospital services, diagnostic tests, and covered prescription drug expenses.

Payments you make for prescriptions covered under your plan will apply to your deductible and OOP maximum. It’s important to note that covered prescriptions must be obtained from a participating provider and must be run through WHA’s contracted pharmacy benefit manager in order to be applied. Prescriptions obtained from a non-participating provider are limited to emergent situations or urgent situations arising outside of WHA's service area.

The answer depends on whether you are enrolled as self-only coverage or an individual within a family/family coverage, and your specific plan. For specific comparisons of maximum out-of-pocket amounts, look at the copayment summary of the plans you are interested in.

Yes, routine preventive care services are covered at no cost to members (and don’t apply to the deductible). Because preventing illness and disease will save you money, be sure to go for preventive screenings and annual checkups. The advice you get from your provider at these visits could lead to a healthier lifestyle, which can avoid costly treatments.

Your accumulator stores all of your medical expense claim data. It adds the amounts so you can see how much has been applied towards your deductible and out of pocket expenses.  

Once you create a MyWHA account you will be able to login to MyTools, click on View Your Accumulator to get an up-to-date record of your claims and deductible/OOP amounts.

Your accumulator is in a spreadsheet format and can be read from left to right.  It provides your member ID, the member name, the service description, the Process Date of the Claim, the Date of Service of the Claim, total charges, the deductible amount (this is the amount owed by you), Copay Amount (if applicable), the Family Deductible Running Total and Family Out-of-Pocket Maximum.  These last 2 columns show when the deductible and out-of-pocket maximums have been met.

After you have met the calendar year deductible, you will be responsible for paying the copayment or coinsurance for medical services and prescription medications in accordance with the specifics of your plan, up to the out-of-pocket maximum.

Yes. The specific amount depends on what plan you chose and is referred to as the annual out-of-pocket maximum. For specific comparisons of maximum out-of-pocket amounts, look at the copayment summary of the plans you are interested in.

If you have an HDHP, you should be proactive in managing your health care benefit. Become a smart shopper. Finding out the cost of a service or procedure in advance can help you better plan your healthcare expenses. Also, ask your health care providers if they will prescribe less expensive medications or treatments, such as generic drugs. You should keep records and copies of your healthcare receipts to keep track of your healthcare expenses, so that you know when you have met your deductible.

You can contact Member Services and they can print you a copy of your current accumulator.

Contact Member Services department and they can assist you.

Your bills from your providers should match the amounts listed on your accumulator.  If they do not, you should  contact Member Services for further assistance.

Claims are applied to your deductible and OOP maximum in the order of WHA’s claim process date. As a result, it’s quite possible that your claims will be applied in a different order than the one in which you actually saw your provider(s). All claims for covered services that WHA processes prior to the date on which you meet your deductible will count toward your deductible and OOP maximum.

If your plan has a higher OOP maximum, once your deductible is met, your services will incur a copayment and those copayments will count toward your OOP maximum, as well.

Please note that one visit may result in multiple claims, which means you could receive multiple bills for that visit. For example, if you have an outpatient surgery, you may be billed separately for the facility, surgeon and anesthesiologist. Again, it is the process date of these services that determines the order in which claims are applied to the deductible or OOP maximum.

It is generally a good idea to wait for a bill from the provider.

Ask the provider if they can send you an invoice after a determination has been made by WHA and the medical group of the appropriate allowed amount you are responsible for so you can be assured of being billed the exclusive WHA member rate.

The medical providers work closely with Western Health Advantage in sharing this information on a daily basis to determine the correct amount of deductible to apply to each claim, if applicable.

Contact Member Services department and they can assist you.

An HSA provides you a tax-free way to save and pay for qualified medical expenses, such as doctor visits, prescription drugs and other medical services. Consult a tax professional to best understand if an HSA-compatible high deductible health plan is the right option for you.

A health savings account is an FDIC-insured savings account that works alongside your HSA-compatible HDHP. Your HSA lets you pay for medical expenses with tax-free dollars. Consult a tax professional to best understand if an HSA-compatible HDHP is the right option for you.

No. If you like the features of an HSA compatible plan you can sign up for this type of plan even though you don’t have an HSA.

Eligible medical expenses are defined as those unreimbursed expenses paid for care as described in the Internal Revenue Code. For more information, go to irs.gov, or you may also check with a tax professional as to what services are included as qualified expenses.

It is up to each individual to keep a record of eligible expenses and the applicable receipts or documentation. If you are audited by the IRS, you will need to provide proof so keep copies of all receipts and billing statements.