This "HSA Choice Plus High-Deductible Health Plan" coverage, gives you the option to open a Health Savings Account (HSA). An HSA is a financial account that you can use to accumulate tax-free funds to pay for qualified health care expenses, as defined by the Internal Revenue Service. The account acts like a regular checking account with a debit card and accrues interest. All money in the account is owned by you and is fully vested as soon as it is deposited. Funds can accumulate over time and the account is portable among employers. If you use the funds for qualified health care expenses, you will pay no taxes. If you use the money for other expenses, you will pay a tax and a penalty fee.

Under the "HSA Choice Plus High-Deductible Medical Plan", your annual deductible and out of pocket maximum includes both medical expenses and pharmacy expenses. All expenses are your responsibility until the deductible is reached. HSA Choice Plus plan gives you the freedom to see any physician or other health care professional from our network, including specialists, without a referral. With this plan, you can access all network providers. However, you will receive the highest level of benefits (including full coverage for preventive care) when you seek care from a Core Network physician, facility or other health care professional Core Network providers. In addition, you do not have to worry about submitting claim forms or balances other than deductibles and coinsurance.

You also may choose to seek care outside the network, without a referral. However, you should know that care received from a non-network physician, facility or other health care professional means a higher deductible and coinsurance. Please Note, if you choose to seek care outside the network, UnitedHealthcare only pays a portion of those charges and it is your responsibility to pay the remainder. This amount you are required to pay could be significant, and does not apply to the out-of-pocket maximum. We recommend that you ask the non-network physician or health care professional about their billed charges before you receive care.