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Benefit Schedules: High Deductible Plans | Copay Plans | HSA Plans
Arizona Health Savings Accounts (HSA) > Golden Rule Insurance Company > HSA Plan Benefits
HSA Plans Offer Quality Coverage, Savings
HSA Plans simply combine a lower-cost, high deductible health insurance plan and a tax-favored savings account .
Lower Premiums, Tax-Advantaged Savings, and an Attractive Interest Rate*
High Deductible plans typically cost a lot less than many copay or traditional plans. This means lower premiums for you. You can then take the premium savings and place it into your health savings account.
- You get a tax deductiion on the money you put in your HSA.
- Your dollars can grow tax-deferred
- You spend the savings tax-free to help pay your deductible or for qualified medical care (including prescriptions, vision, or dental care.)
- What you don't use in your account will continue to accumulate year after year. Then, if you ever need it for health-care expenses, the money will be there.
Who might benefit most from a Healsh Savings Account plan?
- Persons interested in more control over how their heatht-care dollars are spent.
- Families interested in one annual deductible per family.
- Those interested in trading low deductible health insurance for a higher deductible plan to save money on monthly premiums and taxes.
HSA 100 ® |
HSA Saver® |
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| Design Basics | ||||
| Calendar-Year Deductible Choices (one per family) |
You pay: 500, $1,000, $1,500, $2,500, or $5,000 |
You pay: $1,500, $2,500 or $5,000 |
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| Coinsurance After Deductible | You pay: Nothing
We pay: 100% |
You pay: Nothing
We pay: 100% |
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| Lifetime Maximum Benefit (per covered person) |
$3 million ($5 million available) |
$3 million ($5 million available) |
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| Initial Rate Guarantee (subject to benefit and address changes) |
12 months |
12 months |
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We pay the percentages below AFTER you pay the deductible unless otherwise indicated. |
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| Preventive Care Benefits | ||||
| Doctor Office Visit (X-ray and lab performed in the doctor's office or a network facility) |
History and exam: 100%
X-ray and Lab: 100% |
Not Covered
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| Child Immunizations (age 0-18) |
Vaccine: 100%
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Not Covered
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| Preventive Mammogram, Pap Smear, PSA Testing | Testing: 100%
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Testing: 100% |
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| Outpatient Expense Benefits | ||||
| Doctor Office Visit Fees — Illness & Injury | 100%
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Not covered
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| Outpatient X-ray and Lab (performed in a doctor's office or a network facility) |
100% |
100% if performed within 14 days of a surgery or confinement |
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| Outpatient Prescription Drugs | 100% Preferred price card included |
Not covered Discount card included |
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| Surgeon, Assistant Surgeon, and Facility Fees | 100% |
100% |
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| Hemodialysis, Radiation, Chemotherapy, and Organ Transplant Drugs | 100% |
100% |
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| Cat Scans, MRIs | 100% |
100% |
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| Emergency Room Fees | 100% |
100% if admitted, if not admitted - limited to $250/person/year |
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| Other Covered Outpatient Expenses | 100% |
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| Inpatient Expense Benefits | ||||
| Room and Board, Intensive Care Unit, Operating Room, Recovery Room, and Professional Fees of Doctors, Surgeons, Nurses | 100% |
100% |
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| Other Covered Inpatient Services | 100% |
100% |
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| Dental and Vision Discounts — Programs Are Not Insurance | Discounts through FACT membership provided by Health Allies — save up to 50% on dental and vision. | |||
| Optional Benefits — For a complete list, see Optional Benefits. |
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Preferred price card and Discount card details: This chart only summarizes standard covered expenses, exclusions, and limitations of each plan. To be considered for reimbursement, expenses must qualify as covered expenses. Expenses are also subject to reasonable and customary limits unless you use a network. We recommend review of the more detailed plan information under Covered Expenses, Provisions That Apply To All Plans. |
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