{"id":3700,"date":"2018-05-22T18:29:46","date_gmt":"2018-05-22T18:29:46","guid":{"rendered":"http:\/\/18.188.146.227\/?page_id=3700"},"modified":"2018-06-29T21:55:39","modified_gmt":"2018-06-29T21:55:39","slug":"hdhp-medical-plan","status":"publish","type":"page","link":"https:\/\/baytownbenefits.com\/index.php\/hdhp-medical-plan\/","title":{"rendered":"HDHP Medical Plan"},"content":{"rendered":"<h1>HDHP Medical Plan<\/h1>\n<p>The High Deductible Health Plan (HDHP) is a consumer-driven approach to health care, which encourages you to consider the best option for your health. This plan is different from a traditional PPO because there are no copays; all eligible services (including prescriptions) apply toward the deductible and no benefits, other than preventative, will be paid until the deductible is met.<\/p>\n<ul>An HDHP has:<\/p>\n<li>A higher annual deductible than typical health plans.<\/li>\n<li>A maximum limit on the annual deductible and out-of-pocket medical expenses you must pay for covered expenses. Out-of-pocket expenses include coinsurance and other amounts but do not include premiums.<\/li>\n<\/ul>\n<p>An HDHP provides preventive care benefits at 100% without a deductible. Preventive care includes, but is not limited to, the following:<\/p>\n<ul>\n<li>Periodic health evaluations<\/li>\n<li>Routine prenatal and well-child care<\/li>\n<li>Child and adult immunizations<\/li>\n<li>Tobacco cessation programs<\/li>\n<li>Obesity weight-loss programs<\/li>\n<li>Screening services (e.g., cancer, heart and vascular diseases, infectious diseases)<\/li>\n<\/ul>\n<p>Please refer to the preventive care services listed in the plan documents.\u00a0Individuals covered under the family tier of coverage must only meet the individual deductible versus the family deductible.<\/p>\n<div style=\"overflow-x: auto;\">\n<table>\n<tbody>\n<tr class=\"chartHeader\">\n<td class=\"cellBrdrRght\" style=\"text-align: left; width: 200px;\"><strong>Benefits<\/strong><\/td>\n<td class=\"cellnoBrd\"><strong>HDHP In-Network Benefits*<\/strong><\/td>\n<\/tr>\n<tr class=\"rowA\">\n<td class=\"cellBrdrRght\" style=\"text-align: left;\"><b>Deductible<\/b><\/td>\n<td class=\"cellnoBrd\">$3,000 Individual \/ $6,000 Family<\/td>\n<\/tr>\n<tr class=\"rowB\">\n<td class=\"cellBrdrRght\" style=\"text-align: left;\"><b>Coinsurance<\/b><\/td>\n<td class=\"cellnoBrd\">20%<\/td>\n<\/tr>\n<tr class=\"rowA\">\n<td class=\"cellBrdrRght\" style=\"text-align: left;\"><b>Out-of-Pocket Maximum<\/b><\/td>\n<td class=\"cellnoBrd\">$5,000 Individual \/ $10,000 Family<\/td>\n<\/tr>\n<tr class=\"rowB\">\n<td class=\"cellBrdrRght\" style=\"text-align: left;\"><b>Primary\/Specialist Visit<\/b><\/td>\n<td class=\"cellnoBrd\">$20%<\/td>\n<\/tr>\n<tr class=\"rowA\">\n<td class=\"cellBrdrRght\" style=\"text-align: left;\"><b>Emergency Room Visit<\/b><\/td>\n<td class=\"cellnoBrd\">20%<\/td>\n<\/tr>\n<tr class=\"tableFooter\">\n<td colspan=\"2\">*Benefits using out-of-network providers may vary. Please refer to the Summary of Benefits and Coverage (SBC) for additional information.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>HDHP Medical Plan The High Deductible Health Plan (HDHP) is a consumer-driven approach to health care, which encourages you to consider the best option for your health. This plan is different from a traditional PPO because there are no copays; all eligible services (including prescriptions) apply toward the deductible and no benefits, other than preventative, will be paid until the deductible is met. An HDHP has: A higher annual deductible than typical health plans. A maximum limit on the annual&hellip; <a class=\"continue\" href=\"https:\/\/baytownbenefits.com\/index.php\/hdhp-medical-plan\/\">Continue Reading<span> HDHP Medical Plan<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3700","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/baytownbenefits.com\/index.php\/wp-json\/wp\/v2\/pages\/3700","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baytownbenefits.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/baytownbenefits.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/baytownbenefits.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/baytownbenefits.com\/index.php\/wp-json\/wp\/v2\/comments?post=3700"}],"version-history":[{"count":0,"href":"https:\/\/baytownbenefits.com\/index.php\/wp-json\/wp\/v2\/pages\/3700\/revisions"}],"wp:attachment":[{"href":"https:\/\/baytownbenefits.com\/index.php\/wp-json\/wp\/v2\/media?parent=3700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}