HDHP - High Deductible Health Plan, Georgia

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Kaiser Health Plans . What is an HDHP? Georgia Health Insurance www.georgiahealthinsuranceratesplans.com An High Deductible Health Plans is consumer driven insurance plan that has a high minimum deductible with lower premiums. The deductible does not cover initial medical expenses so you must pay the initial costs or out-of-pocket expenses before the coverage kicks in. The logic behind an HDHP is that higher deductibles would lower premiums, making consumers costs conscious so that overall health care is more affordable. Each year, the Internal Revenue Service sets requirements for minimum deductibles and maximum out-of-pocket expenses to reflect the change in cost of living. What does an HDHP cover? An HDHP is intended to cover serious illness or injury, hospitalization or surgery. There are some limited, individually defined preventative care expense exceptions such as, health evaluations, child care, immunizations, wellness programs, and medical devices. Do you need an HSA and an HDHP at the same time? Typically, you must have an HDHP before you open and HSA or Health Savings Account. However there are some cases, the reverse is true. Some plans may require you to and an HSA before utilizing a HDHP. It really depends on the plan and that's where we can help you. Caution: There are some cases where an HSA must be spent by the end of the year. There are other cases where the HSA amount is allowed to roll over into the next year of coverage but there are some HSAs that do not roll over. In ...

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