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Hybrid Health Plan
A health benefit plan that blends the elements of an HSA high deductible health insurance policy with a discount health plan to reduce out of pocket expenditures and maximize long term savings.
Hybrid Healthcare
KEY FEATURES
All benefits found in HSA health insurance policy:
Lower Premiums
Tax Deductible
Tax Deferred Savings
Control of Your Healthcare
PLUS:
The discount plan stretches the dollars in your Health Savings Account by discounting your out of pocket cost for:
Dental, including braces
Vision, including Lasik
Physician Visits
Lab and Radiology Procedures
Hospital visits
Cosmetic Procedures
Prescriptions
Chiropractic
Podiatry
Diabetes Supplies
The following schedule shows the additional savings available using our Hybrid Health Plan:
| HSA Insurance Plan | Typical Hybrid Plan | |
| $5,650 Family Deductible Coinsurance 100% |
HSA Plus TotalCare Discount Plan | |
| Premium | $4,896 | $5,256 |
| Your share expenses ($2500 claim) |
$2,500 | $1,250 |
| Non-covered expenses (dental, eyewear, over counter) |
$750 | $375 |
| Expense Subtotal | $8,146 | $6,881 |
| Federal Tax Savings* | $1,582 | $1,582 |
| Net Expenses | $6,564 | $5,299 |
| Annual Savings | $1,265 |
* Rate may vary. Assumes a 28% federal tax bracket on a maximum contribution of $ 5,650.
Sample Rates:*
Age |
Member |
+ Spouse |
Family |
18-24 |
$110 |
$170 |
$290 |
25-29 |
$110 |
$195 |
$290 |
30-34 |
$120 |
$210 |
$310 |
35-39 |
$130 |
$230 |
$330 |
40-44 |
$145 |
$265 |
$360 |
45-49 |
$170 |
$300 |
$420 |
50-54 |
$195 |
$350 |
$445 |
55-59 |
$245 |
$415 |
$515 |
60-64 |
$305 |
$490 |
$585 |
*This illustration is subject to Blue Cross and Blue Shield of texas underwriting and approval and does not guarantee rates, coverage, or effective date. In addition, Blue Cross and Blue Shield of Texas reserves the right to change rates from time to time.
Blue Cross Blue Shield of Texas serves more than 4 million members in all 254 counties in Texas.
We take care of our healthcare by means of 2 tiers of insurance. The first tier is disaster sickness - for this, insurance is the answer. Healthcare coverage plans which contain a high deductible (for example, $2,500 a year) are not very expensive, even when the benefit is extremely generous ($5,000,000). This is because most individuals don't get catastrophic illnesses or physical injuries.
The next level compromises health maintenance as well as regular medical treatments. For these, health coverage is not the answer. Instead, there are 2 alternatives. the first is for people to cover these costs by their own means. There exist several benefits, including the absence of managed care and less bureaucratic procedures. For a lot of persons, raising the money to cover routine medical bills, when they know that any catastrophic sickness or physical injury would trigger a backing insurance policy, there would not be a problem...especially because of the favorable tax treatment offered by their HSA.
As of October 1, 2007, Blue Cross Blue Shield will not only require the $30.00 non-refundable application fee, they will also require the first month premium be paid at the time of the application. Sould underwriting decide approved coverage at a higher premium, the difference from the original quote and the new premium amount, will be billed to the customer at a later date.
Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association
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