|
It’s true, if you are covered by a health plan other than a consumer-driven health plan (CDHP),
you are not eligible to receive or make contributions to a health savings
account (HSA).
That does not mean a CDHP is not the right plan for you.
CDHPs are still a great value when you compare exposure to premiums. Think
about it—your Traditional PPO premiums alone are higher than the out-of-pocket
maximum on a CDHP. That means the
Traditional PPO will cost you more over a year than a CDHP, regardless of the
number of services or prescriptions you receive.
The chart below demonstrates the savings you could have
if you were to select a CDHP over a Traditional PPO plan. For instance, if you
selected a CDHP with single coverage and not a Traditional Plan, you could save
at least $3,004 just from the less expensive premiums. Savings from premiums
with family coverage in a CDHP over a Traditional PPO would net you a minimum
of $8,444.
Sometimes the best plan isn’t the most expensive….it is
the one that best meets your needs, and only you can determine that.
2013 Health Plan Comparisons
Maximum Exposure Calculations without an HSA
Footnote:
A.) Example assumes employee
takes advantage of the Non-Tobacco Use Incentive
B.) Example assumes costs are
incurred within the Anthem provider network
Maximum exposure means the most you will pay for approved
health care expenses in the 2013 calendar year.
|
