The Sutter Health Plus HDHP HD01/51 offers a lower monthly premium and higher deductible limits than the two other Sutter Health Plus HMO plans. After a member meets the deductible, the plan pays for a percentage of medical care until the member reaches the annual out-of-pocket maximum.
Deductible First HD01/HD51 $20 copay per visit for primary care and specialist visits after the deductibles met. Prescription medications are available through retail or mail order at a copay range of $10 - $120 after the deductible is met. Tier 4 prescription medications are covered at a 20% coinsurance, not to exceed $100 per prescription after the deductible is met.
Employees who have an HRA (Health Reimbursement Arrangement), or an FSA (Flexible Spending Account), may submit Sutter Health Plus out-of-pocket expenses for reimbursement.
Take Note… If you (the employee) elect to enroll in this Deductible First HDHP, which qualifies as an HSA-qualified high deductible health plan, and you have a Flexible Spending Account and/or a Health Reimbursement Arrangement (HRA), be advised that under IRS rules you are NOT allowed to contribute to a Health Savings Account (HSA). Because FSA and HRA accounts can be used to reimburse your out-of-pocket medical expenses, the IRS does not allow you to also contribute to a Health Savings Account at the same time, as it is considered prohibited health coverage.