How are the three medical plan options the same?
All three plans use the same “Preferred Provider” (PPO) networks and use preferred and participating providers. All three plans are administered by Healthcare Management Administrators (HMA). There is no need to designate a Primary Care Physician or seek referrals to see a specialist under any of these plans and Preventive care is covered at 100% on all 3 plans. The main difference is the deductible level. Once met, the plans provide the same protection for medical coverage.

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1. How can I learn more about the 3 different medical plans?
2. How are the three medical plan options the same?
3. When do I have to make my 2018 medical plan decision?
4. Can I make a different plan choice in future years?
5. What does “qualified” mean?
6. Do prescriptions count toward the deductible under the QHDHP?
7. What is a Health Savings Account (HSA)?
8. Who is eligible for an HSA?
9. Who funds the Health Savings Accounts (HSA)?
10. What does “seed money” mean?
11. How much can be contributed to my HSA?
12. Who administers the HSA?
13. Are funds in the HSA “use it or lose it?”
14. How do you make withdrawals from the HSA?
15. Who keeps records to substantiate HSA reimbursements?
16. What happens to my HSA account when I die?
17. What about “coordination of benefits?”
18. Can I have an HSA and a Flexible Spending Account (FSA) at the same time?
19. When will I receive information about my 2018 Flexible Spending Account (FSA) ?