How does the HSA work in conjunction with a high deductible health plan?
Preventive services: The high-deductible health plan covers 100 percent of covered preventive services, with no out-of-pocket cost to you when using participating providers. A copy of the Health Advantage preventive health guidelines is included in all new member packets and can be found at www.HealthAdvantage-hmo.com. Routine care: You and/or your employer can deposit funds tax free into an HSA t to cover the cost of medical services received before you reach your health Plan deductible. For each covered service you receive, the Health Advantage allowed amount is applied towards your deductible, even though you may be paying for the service from your HSA. There are no copayments as there are with traditional HMO coverage. Unused dollars are saved from year to year to reduce the amount you may have to pay out-of-pocket in future years. Specialty care or major expenses: Once your deductible has been met, major medical expenses are covered by the open-access point-of-service plan. A refe
