High-Deductible Health Plan (HDHP) vs Traditional Plans
HDHP
TRADITIONAL
Preventive Services covered at 100% before deductible is met.
Preventive Services covered at 100% before the deductible is met.
Lower monthly premiums
Higher monthly premiums
Copays apply for Rx, office, ER & Urgent Care. All other medical services must meet the deductible before coinsurance applies.
Non-preventative and Rx deductibles must be meet before Rx copays and medical coinsurance applies.
Can contribute to an HSA
Cannot contribute to an HSA
Lower deductible & out- of-pocket maximums
Higher deductible & out- of-pocket maximums
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