ANCHOR HSA
As seen on
At the point of care
What you'll actually pay
when you use it.
- Preventive careAnnual wellness, screenings, vaccines
- Office visitsYour doctor, in network, after the deductible
- The plan pays 70%You pay 30% of the allowed amount
- Specialist visitsIn network, after the deductible
- No referral neededSee the specialist you choose
- Emergency room visit30% after the deductible
- Urgent care is 30%After the deductible, in or out of network
This is an HSA plan, so most care outside the network is covered too, at a bigger share: you pay 50% after a separate $9,000 individual / $18,000 family out-of-network deductible, up to a $14,000 / $28,000 out-of-network maximum. Preventive care, prescriptions and children's eye exams are covered in network only.
Emergency room care and urgent care are paid at the in-network level, in or out of network. Out of network, a provider can also bill you for the difference between their charge and what the plan pays, so the team can check your doctors by name before you enroll.
High-cost services
The big stuff, after the deductible.
You pay 30% after your $6,000 deductible,
then the plan pays 100% once you reach the $7,000 max out of pocket.
In network, and subject to plan terms, limitations, exclusions and plan policies. Pre-certification is required on hospital stays, surgery, imaging, inpatient mental health care, home health, skilled nursing, medical equipment, orthotics and prosthetics, inpatient hospice, and a delivery stay longer than 48 hours (96 after a cesarean) needs post-certification; a $500 penalty applies when either is not obtained. Premiums, balance billing, penalties and care the plan does not cover do not count toward the out-of-pocket max.
Prescription coverage
Your share on drugs,
after the deductible.
- Nothing after the deductibleGeneric equivalents on the plan's drug list
- Your share after the deductibleBrand drugs on the plan's preferred list
- Your share after the deductibleBrand drugs outside the preferred list
Shares apply to covered prescriptions filled at a participating pharmacy, after the deductible. Prior authorization may be required on certain drugs, and benefits can vary if more than a 30-day supply is needed. Prescription benefits are subject to the plan formulary, plan terms, limitations and exclusions.
Monthly rates
Straightforward pricing,
No-surprises coverage.
Rates are quoted monthly and remain subject to eligibility, underwriting, plan changes and final approval.
For your records
The Summary of Benefits and Coverage, in writing.
Every copay, every covered service and every limit, in the plan's own words. Open it, keep it, bring it to your doctor's office. On its cover the plan goes by HSA Plan; it is the plan this page describes. If anything on this page and the plan documents disagree, the plan documents win.
Do your research
Go ahead, look us up.
Three steps, and the plan is yours.
One call, (817) 205-6257. Ask anything, no pressure.
The team walks you through it, right on the phone.
And never on your own. The team sticks with you after you enroll, for every question, every claim, every step.
Quick answers
Asked all the time.
This is an HSA plan on the Cigna PPO network, so you can see providers in and out of network, and you pay the least in network. The team can check your doctor, your hospital and your pharmacy by name before you enroll.
Fast. But start dates come with real deadlines, and they vary. The sooner you call, the sooner you're covered.
Preventive care is free. Everything else, from a doctor visit to a hospital stay, counts toward the $6,000 deductible ($12,000 family). Then the plan pays 70% until you reach $7,000 ($14,000 family), and 100% after that. The team can talk you through pairing it with a health savings account.
ready when you are
Questions about Anchor HSA?
The team picks up.
Call the team: (817) 205-6257 · thehealthyinsurancedude.com