Salt Lake County pays 100% of High Deductible Plan premium for full-time employees and 80% for part-time. The HDHP works just like the traditional PPO, you meet you deductible before the plan pays.
The out-of-pocket maximum is the most you’ll pay out of your own pocket in the calendar year.
In addition to paying 100% of premium (60% if you’re part-time) County gives you a cash lump sum contribution of $600 for single and $1,200 for families.
If you and your covered spouse/adult designee only receive preventative care (covered at 100%) and have no prescriptions, you will have no medical expenses for the year and receive up to $1,750 into your HSA from the County.
- $0 Annual Premium (for full-time employees)
- $1,200 County HSA Contribution (for new hires, this amount is prorated based on the number of pay periods remaining in the benefit plan year)
- Up to $550 ($275 Employee + $275 Spouse/Adult Designee) County HSA Contribution for completing wellness activities
If you and/or your spouse/adult designee are managing a chronic disease or care for an injury, you will pay for the full cost of care until you meet your deductible. The County will deposit $1,200 (for new hires, this amount is prorated based on the number of pay periods remaining in the benefit plan year) into your HSA to help you pay for your deductible, plus you can earn an additional $550 for you and your spouse/adult designee by completing wellness activities. Typically you do not pay anything at the time of service for doctor visits or hospitalizations and will receive a bill several weeks later. When you receive a bill, you can use the money from the County and money you contribute to your HSA to pay for the services.
For prescriptions, you pay the full cost of the drug until you meet your deductible. Once you meet your deductible, you typically pay a copay or coinsurance. For prescription drugs that treat chronic diseases, the deductible is waived for certain drugs. Check with your medical plan for a list of specific drugs.
In the event that the unexpected happens, the most you will pay for in-network services is $7,000. You will receive $1,200 (for new hires, this amount is prorated based on the number of pay periods remaining in the benefit plan year) plus up to an additional $550 for wellness incentives from the County in your HSA to help you pay for expenses. You will have no premium (for full-time employees), which keeps your total cost lower than the Traditional PPO Plan. When you take into consideration the County contribution to your Health Savings Account, your out-of-pocket maximum cost is less than the Traditional PPO Plan.