Personal Choice^® High Deductible Health Plans (HDHP)

When you’re enrolled in an HSA-qualified HDHP from Independence Blue Cross (Independence), you can pair it with a Health Savings Account (HSA) to help you pay for certain health expenses today and grow your health care dollars to pay for future expenses. To be an HSA-qualified high deductible health plan, certain federal guidelines must be followed:

• All covered benefits (except preventive care) apply to the deductible, including prescription drugs.
• Preventive services are not subject to deductible (can apply copayments to preventive care services).
• One deductible and out-of-pocket maximum apply to family coverage — the entire family deductible must be met before benefits are paid.
• New deductibles apply at the beginning of each benefit year. Fourth quarter deductible carryover does not apply.
• The out-of-pocket maximum includes deductible, coinsurance, and copayments.
• HDHP requirements are updated annually by the Internal Revenue Service (IRS) to account for inflation.