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Regence HSA Healthplan - $3,500 Individual Deductible

Idaho Heath Plans| HSA Healthplan $3,500 Individual Deductible

    • Own your health care dollars with a tax-advantaged account that covers medical expenses beyond your health plan. Or choose to save.
    • Unlimited, up-front preventive care and wellness programs, plus personalized tools and support you need to make the plan your own.
    • Comprehensive wellness programs like Care Enhance® Nurseline & Regence Health CoachSM.
     

Coverage at a Glance


Deductible:
Annual OOP Max: $5,000 per member
Lifetime Max: $2 million per member
Copay: Emergency Room Only
Coinsurance: 20% preferred providers, 40% non-preferred
Coinsurance Max: Not applicable on this plan
Network(s): Regence PPO Network

Find a Doctor
 
Yes Prescription benefits
No Dental
No Vision
Yes No Referrals
No Maternity
Yes Preventive Care
Yes Alternative Care
Yes Mental Health

Basic Features

Cost Sharing
Deductibles: $3,500 per member
Annual OOP Max: $5,000 per member
Coinsurance Max: Not applicable on this plan
Lifetime Max: $2 million paid by Regence per member
Copay: $50 emergency room copay
Coinsurance:
  • You pay 20% when using preferred providers
  • You pay 40% when using non-preferred providers
Everyday Needs
Prescriptions:
  • You pay 50% at participating and non-participating pharmacies
  • Limited to a 30-day supply at a time, or a 90-day supply using mail-order program
  • Limited to $1,200 per calendar year
  • Subject to deductible
Preventive Care:
  • You pay 20% when using preferred providers
  • You pay 40% when using non-preferred providers
  • No deductible
  • No annual limit
Vision: Not covered
Office Visits: Deductible and coinsurance
Diagnostic x-ray services: Deductible and coinsurance
Outpatient Laboratory services: Deductible and coinsurance
Special Needs
Alternative care:
  • Chiropractic services only
  • Deductible and coinsurance
  • Limited to $500 per calendar year
Maternity: Not covered
Mental Health:
  • You pay 50% when using preferred or non-preferred providers
  • Limited to 20 outpatient visits and 8 inpatient days
  • Includes chemical dependency treatment
Other considerations
Network(s): Regence PPO (Preferred)
Banking:

A financial institution provides the account where you save money for "qualified medical expenses" as defined by the IRS. We have preferred banking partners that offer some advantages, but you're free to use any institution that provides HSAs.

Benefit Summary

Rates

Idaho Medical Insurance | Individual & Family Plans
Idaho Individual & Family Plans

Idaho Medical Insurance | Individual & Family Plans

Plan image

Regence HSA Healthplan

Brings together robust preventive care benefits and protection against the unexpected, with the unique power of a tax-advantaged Health Savings Account. For individuals and families.

Regence SummitSM

For the mindful health consumer, Regence Summit is the plan that meets the need for freedom of choice and financial/asset protection. For individuals and families.

Regence NowSelectSM

A low-cost, limited health plan you can use right away. For individuals and families.

InterMSM

Temporary medical coverage for unexpected accidents and illnesses, offered through our affiliate Regence Life and Health. Good for individuals and families who are between jobs, or waiting for an employer plan to start. There are restrictions on pre-existing conditions, so please check the details carefully.

Individual Dollar-Based Dental

A Dental plan that puts you in control of your dental health dollars, offered through our affiliate Regence Life and Health. This plan is dollar-based -a unique departure from traditional procedure-based coverage. Imagine spending your benefit dollars almost any way you choose, on care that's important to you and your family. Each year you decide to include an exam and cleaning, you are rewarded with a benefit increase the following year.

Individual Incentive Dental

Immediate access to quality, affordable dental care, offered through our affiliate Regence Life and Health. This plan is procedure-based, but unlike traditional dental plans you are rewarded for receiving routine preventive care. Each year that you visit the dentist for a checkup and cleaning, means greater benefits and less out-of-pocket expenses the next year.

This does not include all benefits, limitations, exclusions and other terms of coverage (such as eligibility and cancellation provisions) applicable to this plan. Please refer to your contract of a complete list and more in-depth explanation of benefits and the limitations and exclusions that apply.


First quarter rates are effective 1/1/2010 through 3/31/2010.

Medical Exclusions and Limitations

Alcoholism and Chemical Dependency See Mental Health
Alternative Care Only covers chiropractic $500 calendar year maximum
Cosmetic OR Reconstructive Surgery Excluded
Custodial Care and Rest Cures Excluded
Diabetic Education Excluded
Durable Medical Equipment Not limited
Eye Exams and Hardware Excluded
Experimental/Investigational Excluded
Family Planning Excluded
Foot Care Excluded
Hearing Aids Excluded
Home Health Care $5,000 calendar year maximum
Hospice $5,000 lifetime maximum
Human Growth Hormone Therapy $25,000 calendar year maximum
Labs and X-rays Not limited
Maternity Care Excluded
Mental Health Treatment
  • Inpatient: 8 days calendar year maximum
  • Outpatient: 20 visits calendar year maximum
Medically Unnecessary Services Excluded
Obesity or Weight Control Excluded
Physician Office Visits Not limited
Prescription medications Limited to $1,200 calendar year maximum for generic and brand medications
Rehabilitative Care (inpatient) $15,000 calendar year maximum
Rehabilitative Care (outpatient) $800 calendar year maximum per therapy:
  • Occupational Therapy
  • Physical Therapy
  • Respiratory Therapy
  • Speech Therapy
Skilled Nursing Facility 30 days calendar year maximum
TMJ Disorder and Orthognathic Surgery $2,000 lifetime maximum
Transplants $250,000 lifetime maximum
Occupational Therapy
Physical Therapy Not limited
Respiratory Therapy Not limited
Preventative Care
Lab and x-ray Not limited
Routine Baby and Child Care Excluded
Routine Immunizations Not limited
Routine Physical Exams Not limited
This does not include all benefits, limitations, exclusions and other terms of coverage (such as eligibility and cancellation provisions) applicable to this plan. Please refer to your contract of a complete list and more in-depth explanation of benefits and the limitations and exclusions that apply.

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