|
 Go here to compare all plans for you
or your family without having to view rate sheets of one or
multiple companies.
ODS Health Spending Account
(HSA)
|
Health Savings Account
(HSA) Choice
Benefit details Monthly Premiums
|
|
HSA plans offer lower insurance premiums
through a high deductible health plan coupled with a bank
account in which you accumulate tax-advantaged savings through
your contributions to pay for qualified medical expenses until
your deductible is met. |
|
Deductible |
Co-Pay |
Office
Visit |
Pharmacy |
|
$1,500 (individual)
$3,000
(family) |
20% |
20% |
30% |
|
Health Savings Account
(HSA) Value
Benefit
details Monthly
Premiums |
|
HSA plans offer lower insurance premiums
through a high deductible health plan coupled with a bank
account in which you accumulate tax-advantaged savings through
your contributions to pay for qualified medical expenses until
your deductible is met. |
|
Deductible |
Co-Pay |
Office
Visit |
Pharmacy |
|
$2,800 (individual)
$5,600
(family) |
50% |
50% |
50% |
The Health Savings Account (HSA) Plan is a high deductible health
plan that waives your deductible for preventive care. After choosing
an ODS HSA Plan, you will need to sign up for a Health Savings
Account. ODS can help you begin this process by giving you referrals
to organizations that offer these accounts.
When you join ODS, you get health plans enhanced by a wide
variety of helpful value added services. Medical members have access
to:
- myODS, a personalized website allowing you to
manage your own plan.
- Registered Nurse Advice Line, a toll free
number providing access to a nurse's advice 24 hours a day.
- eDocAmerica a secure account for emailing
health questions and concerns directly to a physician.
- Healthwise Knowledgebase™, the vast health
knowledgebase that lets you conduct your own research.
- EyeMed Vision Discount Program, a vision care
discount program providing access to both private practice eye
care professionals and some of the nation's leading optical
retailers.
In addition to these tools, you'll discover benefit plans that
are actually easy to understand. And teams of ODS Health
Professionals dedicated to your healthy, happy life.
We're looking forward to helping you out.
ODS offers a variety of health plans designed for individuals and
families looking for exceptional healthcare coverage at a price they
can afford.
Plan Highlights
- First-dollar coverage for preventive care
- Annual deductible options of $1,200 individual/$2,400 family
or $2,800 individual/$5,600
family
- Co-insurance options of 80/60 or 50/50
- Prescription reimbursement at 70% (Choice plan) and 50% (PPO
plan) after deductible is met
Once the HSA Preferred Plan is paired with a Health Savings
Account you will be able to save for qualified health expenses on a
tax-free basis. The funds in the account are portable and any funds
not used can roll over from year to year. This high deductible
health plan is designed to give individuals and families greater
control of their healthcare services and choices.
The Health Savings Account (HSA) Plan is an individual health
benefit plan available for Oregon residents under
age 65 who are not eligible for Medicare. Eligible individuals
include you, your legal spouse and any unmarried children under age
19 or 23, depending on certain conditions.
Benefit
Summary
| Lifetime
Maximum |
| |
HSA Choice |
HSA PPO |
| |
In Network |
Out of Network |
In Network |
Out of Network |
| $2,000,000 Lifetime Benefit Maximum, of which
$250,000 can be accumulated out of network |
$2,000,000 |
$250,000 |
$2,000,000 |
$250,000 |
| Deductible |
Individual Only
Applies only if individual is enrolling in plan with no
other family members |
| Plan year deductible |
$1,200 |
$2,400 |
$2,700 |
$5,400 |
| Plan year maximum out-of-pocket |
$3,800 |
$7,600 |
$2,300 |
$4,600 |
Individual with one or more
dependents
Applies to individual enrolling in
plan with one or more dependents - Family deductible can be
met by one or more family members.
The family deductible is
an aggregate deductible.
The family deductible must be met
before benefits will be paid. |
| Plan year deductible |
$2,400 |
$4,800 |
$5,400 |
$10,800 |
| Plan year maximum out-of-pocket |
$7,600 |
$15,200 |
$4,600 |
$9,200 |
Benefit
Details
| |
HSA Choice |
HSA PPO |
| Service |
In Network |
Out of Network |
In Network |
Out of Network |
| Preventive
Healthcare |
| Periodic Health Exams |
20%
(deductible waived) |
40% |
50%
(deductible waived) |
50% |
| Immunizations |
20%
(deductible waived) |
40% |
50%
(deductible waived) |
50% |
| Annual women's exam, pap test, pelvic and
breast exam |
20%
(deductible waived) |
40% |
50%
(deductible waived) |
50% |
| Women's routine mammogram |
20%
(deductible waived) |
40% |
50%
(deductible waived) |
50% |
Well-baby care, primary care
physician
(PCP) |
20%
(deductible waived) |
40% |
50%
(deductible waived) |
50% |
|
|
| Professional
Services |
| Office visits, primary care physician
(PCP) |
20% |
40% |
50% |
50% |
| Office visits, specialist |
20% |
40% |
50% |
50% |
Alternative Care ($1000 Annual Benefit
Maximum):
Chiropractic, Naturopathic and
Acupuncture |
20% |
40% |
50% |
50% |
| Maternity (No
referral from PCP is required) |
| All pre/post office visits and doctor
delivery; hospital charges (12-month exclusion
period) |
20% |
40% |
50% |
50% |
| Facility
Services |
| Inpatient and outpatient surgery |
20% |
40% |
50% |
50% |
| Room, ancillary and physician
charges |
20% |
40% |
50% |
50% |
| Skilled nursing facility |
20% |
40% |
50% |
50% |
| Emergency
Services |
| Urgent care |
20% |
40% |
50% |
50% |
| Hospital emergency room |
20% |
40% |
50% |
50% |
| Ambulance |
20% |
20% |
50% |
50% |
| Other
Services |
| Lab and X-ray |
20% |
40% |
50% |
50% |
| Rehabilitation |
20% |
40% |
50% |
50% |
|
Medical supplies and devices |
20% |
40% |
50% |
50% |
| In-hospital care |
20% |
40% |
50% |
50% |
| Home healthcare |
20% |
40% |
50% |
50% |
| Prescription
Drug |
30% |
30% |
50% |
50% |
| Accident Benefit
|
Paid as any other illness subject
to deductible/co-insurance |
SE
Health Insurance Specialists
Serving Eugene and all of
Oregon with affordable Health
Insurance for Individuals, Families, Small group employers and
employees. HSA Health Savings Accounts, An Independent Agency
representing Lifewise, Regence Blue Cross Blue Shield of Oregon,
HealthNet, Assurant Health, PacifiCare, ODS Health plans, Short term
Medical plans, International Medical plans. Medicare Medigap and
Medicare Advantage plans.
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