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If you are looking for a low cost plan with 100% coverage for in-network preventive care, no co-pay for covered preventive prescriptions, nationwide coverage in and out of network, then the SDHP with HSA could be right for you.
Consider the following:
- Review your past year's medical services use and expenses. Be sure to include the cost of your prescription medications in your review.
- Estimate any expected changes in your medical expenses for the coming year.
- Compare the out-of-pocket costs (employee contributions, deductibles, coinsurance, etc.) for the SDHP with HSA and other health insurance plans available to you.
- Compare dental and vision benefits available with the SDHP with HSA and other health benefits plans available to you.
Consider whether you are ready to participate in an SDHP, knowing that you may save through tax-free payments on health expenses.
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