Kaiser Permanente High Deductible Plan

The HDHP with an HSA plans are unique medical plans that put you in control of your health care spending. This type of plan has two main components:

1. The medical plan

2. A Health Savings Account (HSA)

Medical Plan

Doctors/Health Care Providers: The type of provider you can use depends on the plan in which you enroll.

Kaiser Permanente HDHP: You must use Kaiser Permanente’s network of providers. This network is the same network used with the Kaiser Permanente HMO.

Annual Deductible: You pay an annual deductible before the plan begins to pay for a portion of covered medical services.

Coinsurance: When you receive medical services, you pay a percentage of the cost of the service, and the plan pays the remaining percentage. You will need to pay the annual deductible first before coinsurance applies.

Annual Out-of-Pocket Maximum: Kaiser HDHP plans include an out-of-pocket maximum. This is the maximum amount you must pay out of your own pocket for the annual deductible and coinsurance combined. Once you reach the out-of-pocket maximum, the plan pays 100% of in-network charges for the remainder of the plan year.

Note: Review the comparison chart below for copays and annual out-of-pocket maximum deductible limits.

Health Savings Account

For both of the HDHP with an HSA plans, you can contribute to a Health Savings Account (HSA). The HSA is a key part of the HDHP plans and allows you to save toward out-of-pocket expenses now and in the future. You can use HSA funds for any IRS qualified medical, dental, and vision expenses.

In 2018, here’s how much you can save to an HSA:

• Employee only coverage: $3,450

• Employee + 1 or more coverage: $6,900

The County may also contribute to your HSA if you have excess Flex Credits. If you enroll for a HDHP with an HSA plan, any excess Flex Credits are automatically placed in your HSA. The limits above include both contributions from you and the County.

The HSA is not established or administered by the County — you must set up your HSA. If you want to contribute to your HSA through payroll deductions, you must set up your HSA through Optum Bank.