Why is there a copay, deductible, and out-of-pocket max listed on my member ID card?
April 30, 2024
To make contributions to a Health Savings Account (HSA), enrollment in a High Deductible Health Plan (HDHP) is required.
Thus, the Preventive HSA plan is designed accordingly. Under this plan, the deductible applies only to specific services such as sick or primary care office visits, specialist office visits, and lab tests. If a member meets the deductible through these services, they will then be subject to a copay for sick office visits and labs. This copay is only applicable after meeting the deductible.
Note: For employees who are also members of Zion HealthShare, they will work with their IUA when using their HealthShare membership for medical expenses not covered by their health plan.
Learn More
- Be sure to register online or through the Optum App to track payments and reimbursements and monitor your account balance.
- Call Planstin’s Benefit Advocacy team at 888-920-7526 for more help understanding your benefits details.
Explore
Most Planstin-managed health plans do not use a provider network . That means you are free to work with any provider with out fear of any out-of-network penalties. Very few Planstin-managed health plans still use a provider network. In this case, your health plan uses the PHCS network of providers. Fair-priced healthcare & care coordination The majority of Planstin-managed health plans use an innovative healthcare pricing strategy called fair-priced healthcare. This strategy does not require the use of a provider network, and instead relies on a care coordination team to help you work with your provider, make appointments, and locate providers that work well with your benefits. To learn more about fair-priced healthcare, click here . To learn more about care coordination click here .
Preventive Core is a health plan that focuses on preventive care. This health plan meets ACA requirements for minimum essential coverage (otherwise known as MEC). Fair-priced healthcare This health plan uses an innovative healthcare pricing strategy called fair-priced healthcare. To learn more about fair-priced healthcare, click here . Care coordination Preventive Core health plans have no network restrictions and include care coordination services to help you make appointments and locate providers that work well with your benefits. To learn more about care coordination click here . To view information about your Preventive Core health plan, click here and select your specific plan name.
All Planstin-managed health plans now feature care coordination services as a part of a fair-price healthcare strategy. The Planstin Care Coordination team will help match members with providers that work best with their plan.