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P A G E 5
Medical Plan Differences
How to Manage My HSA Balance and Account Transactions
Open Access Plus
Plan
In-Network and
Out of Net work
Higher premiums
In-Network and Out of Network Coverage
100 % Co Insurance
Better option if you have long-term medical concerns
Open Access Plan
In- Network Only
Lower premium than Open Access Plus Plan ( PPO/In- and Out of Network Coverage)
In-Network Only Plan
80 % Co Insurance
May be good option if you do not have many health issues
HSA
Open Access Plan
In- Network Only
Lowest premiums
But...highest deductible by far and highest out-of-pocket maximum
Better option if you are healthy and want to set aside pre-tax money for medical ex-
penses in the future. Unused money rolls over from year to year.