HealthSave plans typically have a higher deductible and a lower premium. If you choose a HealthSave plan, you can invest in a Health Savings Account (HSA) to pay for most health care expenses. This allows you to put tax-free money into an HSA to use for medical services and prescriptions. Because the money in an HSA carries over from year-to-year and you don’t have to substantiate claims, it’s great way to save—and pay—for health care expenses.
Standard Deductible plans provide coverage for medical services, preventive care, and prescription drugs with a deductible that applies to most services except preventive care, and tier 1 and 2 drugs.
No-deductible Office Visit plans allow you to pay a copay instead of a percentage of your deductible when visiting doctors. Any copays you pay apply to your deductible and out-of-pocket maximum.
Limited Office Visit Waiver plans waive the deductible for all Primary Care Provider and Mental Health office visits. In addition, the first visit to an in-network urgent care clinic is not subject to the deductible on these plans.