Individual combined deductible

Your health savings account (HSA) works as a point of service (POS) health plan, which means covered services are paid at either a Preferred level or Alternate level, depending on how you seek services. See your insurance policy for details.

Your Individual Combined Deductible is the total cost of services (Preferred and Alternate level) on your policy that you must pay before your plan begins to pay benefits.

  • All services apply toward the combined deductible except for Preferred level preventive care (see Preventive Health Care Guidelines for details).
  • This deductible must be met each plan year.
  • Once you've met your Individual Combined Deductible, your plan benefits will be applied.