PriorityHSA Health Insurance Coverage

PriorityHSA^SM medical plans cover all preventive care services like physical exams and immunizations. There is no copay. The deductible does not apply. This makes it easy to seek the routine care that keeps little problems from becoming big ones. Plus, the plans include out-of-pocket maximums that protect employees against big medical expenses.

PriorityHSA health plan features

• A strong health insurance provider network. More than 90 percent of the physicians in our service area participate with Priority Health.
• Discounts. Priority Health negotiates discounted prices with our network physicians, hospitals, and pharmacies. This means employees pay not the full "retail" price for their care but our discounted price, until they meet the deductible.
• A high deductible. The employee pays the full cost (minus Priority Health's discount) for medical services and prescriptions until they meet the deductible. Then, the health plan begins to pay out benefits for services covered under the plan.
  
• Preventive services such as physical exams and immunizations are covered at no copay. The costs do not apply to the health insurance deductible. We want members to get routine medical care now to help them avoid the more invasive and risky services later.
• Out-of-pocket maximum. Once this maximum has been reached, employees will pay nothing for covered medical services and prescription drugs for the rest of the plan year.
• Prescription drugs. Drugs covered by the plan count toward the deductible and out-of-pocket maximum. Additionally, over-the-counter drugs an employee takes due to an injury or medical condition can be paid for using the health savings account funds.  See qualified expenses.
  
• Hassle-free customer service includes extended phone service hours (including Saturday mornings), calls answered within seconds, and e-mail responses within 24 hours.
• Web tools such as interactive health assessments, medical libraries, a prescription drug price comparison tool and more help employees understand their health needs and choices.
• Minimal paperwork. When employees stay in-network they won't need to file health insurance claims.
• HealthyEncounters^SM programs help members of Priority Health plans take better care of their health.