Health Plans
- PPO Plan
- Consumer-Driven
- High-Deductible
- HMO Plan
- POS Plan
High Deductible Health Plan with Health Savings Account
Health coverage with advantages for your company and your employees.
Helping your company hold down the rising cost of health benefits has never been more important. Equally important is giving employees incentives to become more actively involved in their health care decisions. Mutual of Omaha's High Deductible Health Plan (HDHP), packaged with a Health Savings Account (HSA), accomplishes both.
Medical Plan Coverage
HDHP combines a high deductible medical plan (PPO network or Managed Indemnity) with an innovative new savings account feature. The plan complies with Treasury Code 223 regulations regarding:
- Minimum deductibles
- Combined medical and prescription drug deductibles
- Aggregate family deductible (no imbedded individual deductible in family coverage)
- Out-of-pocket maximums
To help foster a wellness attitude among employees, first-dollar preventive care (routine physical, well-child care and immunizations) up to a pre-determined maximum may be provided. You select the plan deductible, coinsurance and out-of-pocket limits right for your company.
The HSA and Educational Tools
The HSA helps employees pay for qualified medical and prescription drug expenses and build funds for future needs, and it has tax benefits and other advantages. To help employees understand their HSA and help them play a bigger role in their health care, we have decision support tools to help educate employees about the coverage during pre-enrollment, and to access information after enrolling.
Employer Resources