Paying for Medical Care

 
 

Healthy Focus

Paying for Medical Care

Paying for Medical Care

Here's how the Healthy Focus medical plan options pay for covered care:

  • For most care (including doctor office visits and lab work), the Healthy Focus plans pay the majority of the cost for coverage, after you meet the annual deductible. Your share is a percentage called coinsurance.
     

    For the 2017 plan year, HealthEquity will administer the HSA and will open an account for you to pay eligible expenses with pre-tax dollars — and when you enroll in the Healthy Focus Advantage or Essential plan, the Company may contribute to your HSA. The HSA contribution will be based on an employee's annual salary and the coverage level elected for medical coverage.

  • Preventive care is covered 100 percent, no deductible.
  • Once you reach the annual out-of-pocket maximum, the plan pays 100 percent of covered costs.
 

Deductible

  • For employee-only coverage, you meet the individual deductible — $1,300 for Healthy Focus Advantage and $2,000 for Healthy Focus Essential.
  • When you also cover family members, you and your dependents must meet the full family deductible before the plan shares in the cost of non-preventive care - $2,600 for Healthy Focus Advantage and $4,000 for Healthy Focus Essential .

Out-of-Pocket Maximum

  • For employee-only coverage, once you meet the individual out-of-pocket maximum — $3,000 for Healthy Focus Advantage and $5,000 for Healthy Focus Essential — the plan begins paying 100 percent of covered cost for the rest of the year.
  • When you also cover family members, the family out-of-pocket maximum — $6,000 for Healthy Focus Advantage and $10,000 for Healthy Focus Essential — must be met before the plan begins paying 100 percent of covered cost for any individual. For the 2017 plan year, the embedded out-of-pocket maximum will increase to $7,150 per individual within the family tier.