The higher deductible means you could pay more in out-of-pocket costs for health care services and prescriptions. The annual in-network deductible for an individual is $2,100 the annual deductible for a family (member plus at least one family member) is $4,200. It has a slightly lower monthly dependent premium. Does not require a PCP selection, no referrals needed to see specialistsĬonsumer Directed HealthSelect is a high-deductible health plan paired with a tax-free, portable health savings account (HSA).Slightly lower monthly dependent premiums.Save money on taxes by making your own HSA contributions.To help pay for health care expenses, the State of Texas makes monthly contributions to your HSA: $45/person ($540 annually), $90/family ($1,080).Once you've met the annual deductible, you pay a percentage of the costs (coinsurance, not set copays) for prescriptions and non-preventive services.Plan pays for nothing except preventive services (such as annual checkups and recommended vaccinations) until you have paid the combined annual medical/prescription deductible amount: $2,100/person, $4,200/family in-network $4,200/person, $8,400/family out-of-network.High-deductible health plan with access to a portable, tax-free health savings account (HSA).Pay less by staying in the large, statewide network.Requires primary care provider (PCP) selection and referrals to see specialists.No medical deductible for in-network services.Point-of-service health plan with lower out-of-pocket costs at time of service (copays and coinsurance).
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