Health insurance is a partnership that helps you pay for health care expenses. It protects you and your dependents from paying the full cost of medical expenses when you’re injured, sick or need surgery. Here are some health insurance terms you’ve probably heard:

  • Premium: The amount you pay monthly for health insurance coverage.
  • Deductible: The amount you pay before your health insurance starts paying for covered medical expenses.
  • Coinsurance: The portion you pay once your deductible has been met. You will pay this percentage until you have hit your out-of-pocket maximum.  
  • Out-of-pocket maximum: This is the most you will need to pay towards healthcare expenses in a given year. Your deductible and coinsurance are all applied towards your out-of-pocket maximum.
HSA health plans

Health Savings Account (HSA)

A Health Savings Account is a personal savings account that allows you to set aside pre-tax money for qualified healthcare expenses. All funds contributed are yours to keep and any unused funds roll over from year to year.

Advantages of An HSA-Based Health Plan:

  • Lower monthly premiums
  • Save for future medical expenses
  • Personal ownership
  • Pay for medical expenses tax-free
  • No “use it or lose it” policy
  • Invest HSA funds, earn tax-free interest

How An HSA-Based Plan Works

Deductible Phase

You pay 100% of healthcare costs, except for preventive services, which are covered at 100%. You can use HSA funds to cover costs.

Coinsurance Phase

You pay a small percentage of eligible healthcare costs, and insurance covers the rest. You can use HSA funds to pay your portion.

Max Out-of-Pocket Phase

After you reach your max out-of-pocket, insurance covers 100% of eligible healthcare costs.

HSA Funds

Any HSA funds leftover at the end of the year simply stay in your account, and can be used for future medical expenses. Rollover funds is not characteristic of typical health insurance plans.

Steps Program Basics

Why Participate: So, you and your covered spouse can earn $1 for each day you walk 8,000 or more steps up to 20 days a month. All incentives earned this way are deposited into your HSA.

How to Participate: Create your MotivHealth member account. Sync an eligible device (Garmin, Fitbit, or Apple) and walk your way to $1 a day.

Who’s Eligible: You, the policy holder and a covered spouse.

Rx Program Basics

Why Participate: Spending $200 or more on prescriptions each month? We can help you eliminate or significantly lower your out-of-pocket costs.

How to Participate: Simply call one of our Prescription Benefit Analysts:
(385) 247-1030

Who’s Eligible: You, the policyholder and your covered dependents.

Prompt Pay Program Basics

Why Participate: Save between $250-$3,000 on out-of-pocket costs on planned medical procedures.

How to Participate: Simply call us before your scheduling your procedure, and we'll help you find a participating Prompt Pay facility / provider.

Who's Eligible: You, the policyholder and your covered dependents.

Price Transparency Tool Basics

Why Participate: Lower your out-of-pocket costs by empowering yourself to take charge of your healthcare.

How to Participate: Our Price Transparency Tool is accessed via your member portal. Simply create your account and click "Find Care."

Who's Eligible: You, the policyholder and your covered dependents with member accounts can access this tool.