The open enrollment period for the NEW Choice Plus Plan with a Health Savings Account (HSA) is from November 2, 2015 to November 30, 2015. The scenario below shows how “Cheryl”, a hypothetical State employee HSA owner, uses her insurance and her account to pay for health care.
Go to www.employeebenefits.ri.gov for more information regarding the Choice Plus Plan with a HSA
State of Rhode Island – Choice Plus Plan with a HSA Open Enrollment 11/2/15 – 11/30/15
Is the plan right for you?
See why Cheryl chose to enroll in the Choice Plus Plan with a HSA and see how she pays for doctor visits and prescriptions.
Cheryl has a family. She chose the Choice Plus Plan with a HSA family plan because:
- Lower monthly premiums
- The State of RI will contribute $3,000 when Cheryl opens a HSA
- Cheryl contributes an additional $1,000 dollars to her HSA on a pre-tax basis (saves her roughly $300 in taxes)
- She and her family members can keep their doctors
- Preventive medical care is covered at 100% in-network
- The deductible does not apply to drugs on the Preventative Medication Therapy List
- She has a chance to save for future health bills with her HSA
- Cheryl owns her HSA; she keeps her HSA if she leaves State service
The State of RI deposits $3,000 in Cheryl’s HSA. Cheryl deposits $1,000 in her HSA through payroll deduction.
In 2016 Cheryl will have $4,000 available in her HSA.
Plan pays 100% when Cheryl reaches $6,000.
How Cheryl’s Choice Plus Plan with a HSA works – 2016
Annual Deductible Cheryl pays 10% Out-of-Pocket Maximum
$3,000 Plan pays 90% $6,000
How Cheryl uses her HSA when she goes to the doctor
- Cheryl presents her UnitedHealthcare member ID card at the doctor’s office
- Her doctor submits a claim to UnitedHealthcare
- Cheryl fills her prescription and pays for it with her HSA Debit MasterCard® card
- Cheryl receives and pays her doctor’s bill with her HSA Debit MasterCard® card
- Cheryl retains her receipts
Go to www.employeebenefits.ri.gov for much more information regarding the Choice Plus Plan with a HSA!