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RCAB High Deductible Health Plan (HDHP)
The RCAB High Deductible Health Plan (HDHP), offered through Blue Cross Blue Shield of Massachusetts,
is a Plan with a deductible that must be satisfied before any services (excluding those considered “preventive”) are covered. The HDHP provides 100% coverage for preventive care, like annual check-ups, vaccines, cancer screenings from in-network providers, and preventive medications. For other medical services and prescriptions, you must satisfy your deductible before the RCAB HDHP starts to pay, and then you pay co-insurance. Once you meet the annual out-of-pocket maximum, you pay nothing. There are no co-pays under the HDHP. The following documents provide more information about the HDHP:
| New HDHP Option |
| Coverage |
In-Network |
Out-of-Network |
| Deductible |
$4,000 Individual/ $8,000 Family |
$8,000 Individual/ $16,000 Family |
| Coinsurance
(Plan pays) |
80% |
60% |
| Medical Out-of-Pocket Maximum |
$7,000 Individual/ $14,000 Family |
$14,000 Individual/ $28,000 Family |
| PCP - Preventive Visits |
Covered in Full |
40% after deductible |
| PCP - Sick Visit/Physical |
20% after deductible |
40% after deductible |
| Specialist Visit |
20% after deductible |
40% after deductible |
| Inpatient Care |
20% after deductible |
40% after deductible |
| Outpatient Care (Hospital) |
20% after deductible |
40% after deductible |
| Diagnostic Tests (x-rays, blood work) |
20% after deductible |
40% after deductible |
| Imaging (CT/PET scans, MRIs) |
20% after deductible |
40% after deductible |
| Emergency Room |
20% after deductible |
40% after deductible |
| Pharmacy Costs |
Deductible + Coinsurance
Preventative Covered in Full |
Health Benefit Trust's HSA Funding |
$650 Employee/
$1,300 Employee + Spouse |
Health Savings Account
If you enroll in the RCAB HDHP, a Health Savings Account (HSA) is automatically set up for you through HealthEquity. You can use your HSA to pay for deductibles, co-insurance, and other qualified medical expenses. See a list of HSA-eligible medical expenses.
You can defer funds from your paycheck on a pre-tax basis into your HSA, up to the annual legal maximums. Through participation in the RCAB Health Benefit Trust Wellness Program, you may also earn up to $650 if enrolled in an individual plan or up to $1,300 (if you and your spouse are enrolled) in HSA contributions for the 2022-2023 Plan Year. Legal maximums include both employee and employer contributions.
HSA Contribution Limits
(includes employee payroll deductions and
wellness incentive deposits) |
| Coverage |
Individual |
Family/Employee+1 |
| 2023 Tax Year |
$3,850 |
$7,750 |
| Catch-up (age 55+) |
add $1,000 |
add $1,000 |
Note: Limits and tax penalties may apply if you leave employment or disenroll from the RCAB HDHP prior to December 31, 2024. |
If you were enrolled in one of the RCAB Health Plans and had a Health Reimbursement Account (HRA) with HealthEquity, review the HRA vs. HSA Comparison chart for further explanation about how the HSA differs from an HRA.
Is the HDHP Right for You?
Compared to the Enhanced and Basic Plans, the HDHP has a lower premium and payroll deduction. The HDHP is only an option if you: (1) are under age 65/not enrolled in Medicare; (2) are not covered by any other health plan that is not an HDHP; (3) are not claimed as a dependent on another person’s tax return; and (4) do not contribute to or have unspent amounts in your Health Care Flexible Spending Accounts (FSA/or spouse’s FSA).
The HDHP could be a reasonable choice for employees with few or no health conditions who don’t anticipate needing surgery, costly medical procedures, or prescriptions, and who have enough in savings to cover the high deductible and co-insurance in case of an emergency. More information that can help you decide if the HDHP is the right option for you can be found in the High Deductible Health Plan Frequently Asked Questions. You may also view and listen to a presentation on the HDHP and HSA below.
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You have a reduced copay at MinuteClinic, where you can get affordable and skilled medical care, 7 days a week, at selected CVS locations. No appointment is necessary, and most visits take about 15 minutes, compared to an average ER visit of more than four hours.
For a location near you, visit: www.minuteclinic.com
or call 866.389.ASAP(2727).
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