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High Deductible Health Plans (HDHP) Overview

How It Works

A high deductible plan means that you pay for most health care expenses up to a certain dollar amount before the insurance policy begins to cover them. Only expenses for covered benefits count toward the deductible.

A few things to remember:

  • Amounts paid toward copayments or coinsurance do not count toward satisfaction of the deductible.
  • Only expenses for benefits covered under the plan count toward the deductible.
  • The family deductible applies to all plans that are not individual coverage. If you have a family deductible, no member of your family may receive insurance coverage for services unless the entire family deductible has been satisfied either by an individual or by a combination of covered family members.
  • Because it is so important that you keep track of your deductible, we suggest that you retain all receipts for health expenses, including any copayment or coinsurance amounts. These will enable you to document payments that should be credited to your deductible or maximum.