You're also responsible for annual deductibles
for Part A and Part B.
In 2013, the annual deductible
limit for HDHPs will be raised to $2,500 for a plan with family coverage (or $1,250 for individual coverage).
For E-5s and above, the annual deductible
is $150 for an individual and $300 for a family.
In a section on Medicare, Bowles and Simpson suggest replacing the current deductible, coinsurance and co-payment rules with a single combined annual deductible
of $550 for the Part A (hospital) and Part B (medical care) programs, along with 20% uniform coinsurance for health care spending above the deductible.
Specifically, for self-only coverage for 2010, the qualifying HDHP must have (1) an annual deductible
of at least $1,200 and (2) an annual limit on total out-of-pocket costs (including the deductible, co-payments, and other amounts, but not premiums) for covered benefits of no more than $5,950.
For Archer MSAs, in the case of self-only coverage, in 2010, a high deductible health plan is defined as a health plan with an annual deductible
of not less than $2,000 and not more than $3,000, and required annual out-of-pocket expenses of not more than $4,050.
1) The required HDHP must provide for a minimum annual deductible
of at least $1,200 for individual coverage and $2,400 for family coverage; and maximum annual out-of-pocket expenses must be limited to $5,950 for individual coverage and $11,900 for family coverage (as adjusted in 2010 for inflation).
Associates who enroll in Wal-Mart's "Value" or "Freedom" plans have access to additional preventative care coverage before meeting the annual deductible
, including mammograms, colonoscopies and flu vaccinations.
They will be able to choose a $100, $250, or $500 health care credit that can be used to pay for covered medical expenses before costs are applied to the annual deductible
In 2005, a typical CDHC plan had an annual deductible
of approximately $1,900.
Our district introduced a deductible for emergency room care, increased the annual deductible
for health insurance, and increased the prescription medication co-pays.
By federal law, the policy must have a minimum annual deductible
of $1,050 for individuals and $2,100 for families.
1, a $50 annual deductible
for the prescription plan was added for individuals and $100 for families.
A HDHP may not have an annual deductible
of less than $1,000 per year for individuals or $2,000 for families.
Employees can visit a doctor three times for preventative care before a $1,000 annual deductible