Cost-Sharing
Harvard Pilgrim HSA Silver - Single Plan
How the Plan Works with District Cost-Sharing
$3500 Deductible
Member is responsible for the first $3,500 of services or care received in a plan year.
Employer-Funded Deductible Cost-Sharing
Health Savings Account (HSA) - $2,150
Employee Deductible Liability - $1,350
Employee Out-of-Pocket Max: $3,100
Employer Cost-Sharing Contributions : $3,900
$3,500 Co-Insurance
After the deductible has been satisfied, Harvard Pilgrim pays 80% of the claims and the member is responsible for the remaining 20% before Health Reimbursement Account (HRA).
Employer-Funded Co-Insurance Cost-Sharing
Health Reimbursement Account (HRA):
10% up to $1,750
Employee Co-Insurance Responsibility:
10% up to $1,750
*Deductible: Amount of money that the insured person must pay before their insurance policy starts paying for covered expenses
*Co-Insurance: Portion of the medical cost member is responsible for after satisfying the plan deductible.
Harvard Pilgrim HMO Silver Costs for 2 or more people
How the Plan Works with District Cost-Sharing
$7,000 Deductible
Member is responsible for the first $7,000 of services or care received in a plan year.
Employer-Funded Deductible Cost-Sharing
Health Savings Account (HSA) - $4,275
Employee Deductible Liability - $2,725
Employee Out-of-Pocket Max: $6,225
Employer Cost-Sharing Contributions : $7,775
$7,000 Co-Insurance
After the deductible has been satisfied, Harvard Pilgrim pays 80% of the claims and the member is responsible for the remaining 20% before Health Reimbursement Account (HRA).
Employer-Funded Co-Insurance Cost-Sharing
Health Reimbursement Account (HRA):
10% up to $3,500
Employee Co-Insurance Responsibility:
10% up to $3,500
*Deductible: Amount of money that the insured person must pay before their insurance policy starts paying for covered expenses
*Co-Insurance: Portion of the medical cost member is responsible for after satisfying the plan deductible.