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  • HSA Compatible Plans – Embedded vs. Aggregate Deductibles

    HSA Compatible Plans – Embedded vs. Aggregate Deductibles

    Most Qualified High Deductible Health Plans (QHDP) eligible for Health Savings Accounts (HSA) do not have the separate (embedded) individual deductible per person like conventional PPO plans.  Employees who just cover themselves are not affected by “aggregate” family deductibles, however those who cover any dependents should take a close look whether their health plan will require their family to meet the full family deductible before benefits are payable.  When given a choice, “embedded” deductibles provide better coverage for those covering dependents assuming all other benefits are the same.  Below is a list of California small group HSA compatible plans identifying whether they have embedded or aggregate deductibles.  I hope this helps!

    Effective May 1, 2010

    Definitions:
    Embedded Deductible: 
    Each covered family member only needs to satisfy his or her individual deductible, not the entire family deductible, prior to receiving plan benefits. 

    Aggregate Deductible: For Family coverage, the entire Family Annual Deductible must be met before co- pay or coinsurance is applied for any individual family member.

    Aetna
    MC HDHP $2000 80/50 - aggregate
    MC HDHP $2500 80/50 - embedded
    MC HDHP $3000 100/50 - embedded
    MC HDHP $3300 80/50 - embedded

    Blue Shield
    Shield Savings Plan 1800/3600 - aggregate
    Shield Savings Plan 2000/4000 - aggregate
    Shield Savings QS 2000/4000 - aggregate
    Shield Savings Plan 2250/4500 - aggregate
    Shield Savings Plan 2500 - embedded
    Shield Savings Plan 3000/6000 - aggregate
    Shield Savings QS 3000/6000 - aggregate  
    Shield Savings Plan 4800 - embedded
    Shield Savings QS 4800 - embedded

    HealthNet
    Standard HSA 2000 - aggregate
    Standard HSA 3000 - aggregate
    Standard HSA 4000 - aggregate
    Value HSA 1500 - aggregate
    Value HSA 2500 - aggregate
    Value HSA 3500 - aggregate
    Value HSA 4500 - aggregate 

    United Healthcare
    Choice Plus Definity HSA 1500/80% Plan Z6-Q – aggregate
    Choice Plus Definity HSA 2000/100% 5E-Naggregate
    Choice Plus Definity HSA 2000/80% Q3-Maggregate
    Choice Plus Definity HSA 3000/100% – 5E-Oaggregate
    Choice Plus Definity HSA 3000/80% – 5E-Laggregate
    Choice Plus Definity HSA 4000/80% – 5E-Maggregate
    Rx 15/35/60 Plan - 0IV - Applies to all UHC HSA’s

    1 Comment

    1. Thanks for your comments, if we can help you at any time please call me at (877) HSA-GARY. Wishing you the best.

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