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Health Saver plans are High-Deductible Health Plans (HDHP) that allow participants to utilize Health Savings Accounts to save and pay for their current and future medical expenses. There are some aspects of HS plans that are different from traditional Preferred Provider Plans (PPOs). HS plans are designed to be paired with a personal Health Savings Account (HSA) bank account, allowing the employee to save funds each month for medical expenses. The Health Saver plans do not have co-pays for doctor visits or co-pays and discounts for prescriptions drugs. Participants pay 100 percent of medical and prescription drug claims until they've reached the plan's deductible. (For some HS plans, the plan pays at the co-insurance level until an annual Out-of-Pocket Maximum is reached.)  HSA HSA-compatible plans typically cost 20 percent less than a low-deductible PPO plan. Many of the ministries we connect with, such as Pioneers and Wycliffe are utilizing HSA Plans for their missionaries. HSA plans will also have an Employer HSA Contribution in addition to the plan premium. 

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Health Saver Plans have a Aggregate Deductible

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Also, keep in mind if an employee has individual-only coverage, he or she must meet the individual deductible before any claims will be paid by Guidestone, and then an individual maximum out-of-pocket may apply before claims will be paid at 100% (depending on the HS plan). 

Health Saver Plans are Paired with an Health Savings Account

Please see Health Savings Accounts (HSAs).

Frequently Asked Questions

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