High Deductible

HSA-Qualified High Deductible Health Plan

TRH offers a range of High Deductible Health Plans (HDHP) which meet all federal requirements necessary to open a Health Savings Accounts (HSA) This coverage utilizes the Blue Network P with more than 21,000 providers.

What is a Health Savings Account? An HSA is a special savings account owned by an individual where contributions are made to pay for current and future medical expenses. In order to qualify for an HSA, an individual must be covered by a High Deductible Health Plan. TRH has developed HDHPs which were designed specifically to be used in conjunction with an HSA.

NOTE: TRH DOES NOT OFFER HEALTH SAVINGS ACCOUNT (HSA) ADMINISTRATION. HSA ADMINISTRATION IS GENERALLY CARRIED OUT BY FINANCIAL AND BANKING INSTITUTIONS. TRH DOES OFFER THE HIGH DEDUCTIBLE HEALTH PLANS WHICH ARE REQUIRED TO OPEN AN HSA.

HSAs allow individuals to save money and reduce taxable income. HSA contributions can be deducted from gross income and HSA funds spent for eligible health care expenses are not taxed.

Not everyone is eligible for an HSA. For more information about HSAs, contact your tax or financial planning consultant.

HDHP Brochure

TRH Plan Comparison

Below are details on the different HDHPs now being offered by TRH

HDHP 1500 Individual (New Sales)

	Network Providers	Out-of-Network Providers
Deductible*	$1,500	$1,500
Out-of-Pocket Maximum	$3,000	unlimited
Coinsurance	80%	60%

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HDHP 2500 Individual (New Sales)

	Network Providers	Out-of-Network Providers
Deductible*	$2,500	$2,500
Out-of-Pocket Maximum	$3,750	unlimited
Coinsurance	80%	60%

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HDHP 3000 Family (New Sales)

	Network Providers	Out-of-Network Providers
Deductible*	$3,000	$3,000
Out-of-Pocket Maximum	$6,000	unlimited
Coinsurance	80%	60%

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HDHP 5000 Two-Person, Three-Person, and Family (New Sales)

	Network Providers	Out-of-Network Providers
Deductible*	$5,000	$5,000
Out-of-Pocket Maximum	$7,500	unlimited
Coinsurance	80%	60%

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*Deductibles for network and out-of-network providers must be met separately.

On family coverage, all family members’ qualified expenses apply to one deductible and one out-of-pocket maximum.

Call your local TRH Representative today or Contact Us.