HDHP FAQ

Frequently Asked Questions High Deductible Health Plan (HDHP) and Health Savings Account (HSA)

The information provided below is intended as a supplement to the Introduction to a High Deductible Health Plan with Health Savings Account video presentation. These are the actual questions asked by employees who attended the presentations. For maximum benefit, please be sure to review the video prior to reviewing these FAQs. Please note, annual limits and some plan provisions have changed. Visit the Employee Benefits High Deductible Health Plan page for current plan documents and additional information.

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HDHP FAQ

Frequently Asked Questions High Deductible Health Plan (HDHP) and Health Savings Account (HSA)

High Deductible Health Plan (HDHP)

Human Resources and Talent Development

HDHP FAQ

Frequently Asked Questions High Deductible Health Plan (HDHP) and Health Savings Account (HSA)

High Deductible Health Plan (HDHP)

Is there an individual deductible if you have family coverage?

Is the Provider Network and Drug Formulary the same as the OAP?

Will the HDHP network still discount costs?

Do Primary Care Physician (PCP) visits get applied to the deductible?

Will doctors bill for services or expect payment at point of sale?

Will I still pay a separate premium for dental/vision?

How much is an urgent care visit?

Does Cigna have contracts with in-network providers?

Why should I shop around for medical services?

Will my care be compromised by going with a “cheap” doctor?

Will Cigna have costs available for all our procedures?

How does an HDHP work when coordination of benefits is required due to other insurance?

If I’m in an HDHP, what happens when I retire?

Do total billed charges count toward my out-of-pocket maximum or only the negotiated rate?

Why are high costs services (MRI, etc.) available if there are less expensive options?

What charges will I pay if a doctor I see accepts CIGNA but not the HDHP?

Is preventive care part of the deductible?

Do we need a PCP and referrals with the HDHP?

Is IVF covered by the HDHP?

How will I manage this new HDHP program? It seems like a lot of administration.

Are Employer contributions taxable?

Is the Employee contribution pre-tax?

Is there a minimum Employee HSA contribution required?

Is there a limit to what we can accumulate in our HSA?

Can Employees make post tax contributions?

Are Employee contributions to HSA payroll deducted?

How do I monitor HSA balances?

Will I have to substantiate claims paid for through HSA?

Can an HSA be used for dental/vision?

What happens if I accidentally use my HSA funds for a non-qualified expense?

Can HSA money be used for family members NOT covered by my Employer plan?

My husband and I are both employees. Do we each get a contribution?

Is the Employer funding part of our W-2 wages? Does is affect our VRS contribution?

If I have a large expense in January that I pay for with a credit card – and I don’t have enough HSA money until the following year to cover it – can I submit for reimbursement the following year?

If I am 65 years old, would I still be receiving the HSA contributions?

How long has the Board committed to support the $1,000 or $2,000?

Will the savings account be managed by a 3rd party?

Do I pay taxes on HSA money if I use it after I leave LCPS?

Can I use the HSA for expenses of my covered children over 24 years of age?

If I work 20 hours per week do I get the full Employer contribution to the HSA?

What happens to my HSA money if I leave LCPS?

Is beneficiary information for HSA in the welcome packet?

Can you transfer HSA funds to another Employer HSA?

What is the interest rate on the HSA?

How is dependent care flex affected by the HSA?

Can my spouse have an HSA through a different employer?

Who can participate in an HSA?

Is there a preventative medication list that is not subject to deductible?

Is the RX cap per RX?

Are over-the-counter (OTC) medications covered by HSA funds?

Are RX’s included in the out-of-pocket maximum with this plan, because they aren’t in OAP?

Do preventative RX costs count toward my out-of-pocket maximum if they are excluded from the deductible?

How does mail order work with HDHP? Do we still get 3 months for cost of 2?

Can I get a 12-month script so the $150 cap is applied annually?

When will we get details of Critical Illness Policy?

Can I get multiple Critical Illness Policy payouts in one year?

Are there pre-existing condition clauses on the Critical Illness Policy?

Is the Critical Illness Policy available if I’m an active employee over 65?

Is AFLAC going away?

Is the Critical Illness Policy available only during OE?

Is the Critical Illness Policy provided on every dependent I cover on the HDHP?

Does Critical Illness and Accidental Injury coverage roll over from year to year?

How does guaranteed issue work with the Critical Illness policy?

Is guaranteed issue available in open enrollment of future years or only during this initial offering?

Can I have an FSA if I have an HSA?

Does having an HSA affect my enrollment in a dependent care flexible spending account?

Does CIGNA offer debit cards for the limited purpose FSA as well as the traditional FSAs?

What changes can I expect with regard to my FSA if I don’t enroll in the HDHP?

Is it possible to call Cigna and find individual claims? How do I get a snapshot of my claims for last year?

What is LCPS doing for already healthy people?

Why do we have only one carrier to choose from for health insurance?