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Health Saver plans are High-Deductible Health Plans (HDHP) that allow participants to utilize Health Saver 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 Saver Savings Account (HSA) debit 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 coinsurance co-insurance level until an annual Out-of-Pocket Maximum is reached.)
The GuideStone HS plan offerings are growing continuing to grow more popular because they allow you to fund your medical expenses from your own personal tax-free Health Savings Account (HSA). Since introducing the HS 3000 plan in 2013, we have seen a steady migration of missionaries into this plan. 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 coming to the same conclusions and making similar HSA transitions.
HSA plans will also have an employer Employer HSA contribution Contribution in addition to the plan premium.
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