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Health Savings Account (HSA) Benefits

When you join ODS, you get health plans enhanced by a wide variety of helpful value added services. Members have access to:

myODS, a personalized website allowing you to manage your own plan
Registered Nurse Advice Line which provides free access to a nurse's advice 24 hours a day
eDocAmerica to email health questions and concerns directly to a physician
Pharmacy Discount Card which allows you to take advantage of ODS discounted rates when you need them, at the pharmacy, even if you have a high deductible plan

In addition to these tools, you'll discover benefit plans that are actually easy to understand. And teams of ODS Health Professionals dedicated to your healthy, happy life. We're looking forward to helping you out.

Maximums / Deductibles
Lifetime Maximum
*Separate in- and out-of-network deductibles and out-of-pocket maximums. ¹Out-of-network coverage co-paymentsThe insured patient's share of the total medical bill, usually expressed as a specific dollar amount paid for a given service, product or treatment. For example, the patient might pay $20 for each doctor's office visit. The patient is usually responsible for payment at the time of the treatment or service. are based on the maximum plan allowance for those services. All hospital and professional services, except out-ofnetwork hospital services, provided in the state of Alaska will be paid at the in-network benefit level, subject to the in-network deductible and accrue toward the in-network out-of-pocket maximum. ²Expenses applied toward the annual deductible do not apply to the out-of-pocket maximum. Expenses for transplants performed at non-participating transplant facilities do not apply to the out-of-pocket maximum.
Maximum lifetime benefit	$2,000,000 ($250,000 can be accessed out-of-network)
Deductible
	HSA Choice		HSA Select
	In Network (You Pay)	Out of Network (You Pay)¹	In Network (You Pay)	Out of Network (You Pay)¹
Individual Only Applies only if employee is enrolling in plan with no other family members.
Annual deductibleThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment.	$1,200*²	$2,400*²	$2,800*²	$5,600*²
Annual out-of-pocket maximumA specified amount of applicable claims expenses in a plan year that must be met before benefits are paid in full. Once the member has met his or her out-of-pocket maximum, the plan begins covering eligible expenses at 100 percent. The out-of-pocket maximum starts over every plan year.	$3,800*²	No maximum*	$2,200*²	No maximum*
Individual with one or more dependents Member plus one or more dependents -Applies to members enrolling in plan with one or more dependents. Family deductible can be met by one or more family members. The family deductible is an aggregate deductible and must be met before benefits will be paid.
Annual deductible	$2,400*²	$4,800*²	$5,600*²	$11,200*²
Annual out-of-pocket maximum	$7,600*²	No maximum*	$4,400*²	No maximum*

Covered Services
	HSA Choice		HSA Select
Service	In Network (You Pay)	Out of Network (You Pay)¹	In Network (You Pay)	Out of Network (You Pay)¹
Preventive Care ($350 plan yearThe 12-month period commencing on the effective date and each 12-month period thereafter. maximum)
Well Baby Care	20%*	40%	50%*	50%
Routine Physicals	20%*	40%	50%*	50%
Immunizations	20%*	40%	50%*	50%
Deductible waived. ¹Out-of-network coverage co-payments are based on the maximum plan allowance for those services. All hospital and professional services, except out-ofnetwork hospital services, provided in the state of Alaska will be paid at the in-network benefit level, subject to the in-network deductible and accrue toward the in-network out-of-pocket maximum. This is a benefit summary only. For a complete description of benefits, refer to your Policy.*
Professional Services
Routine Women's Exams (including pap test, pelvic exam and breast exam)	20%*	40%	50%*	50%
Routine Men's Exams (including prostate rectal exam and prostate specific antigen test)	20%*	40%	50%*	50%
Office and Home Visits	20%	40%	50%	50%
Urgent Care Visits	20%	40%	50%	50%
Surgery	20%	40%	50%	50%
Acupuncture, Chiropractic, and Naturopathic ($1,000 plan year maximum)	20%	40%	50%	50%
Maternity
Practitioner services	20%	40%	50%	50%
Hospital stay	20%	40%	50%	50%
Hospital Services
Inpatient Care	20%	40%	50%	50%
Skilled Nursing Facility Care	20%	40%	50%	50%
Outpatient Services
Outpatient Hospital/Facility	20%	40%	50%	50%
Diagnostic X-Ray and Lab	20%	40%	50%	50%
Specified Imaging (MRI, CT, CAT, PET scans)	20%	40%	50%	50%
Emergency Room Visits	20%	20%	50%	50%
Other Services
Physical Therapy	20%	40%	50%	50%
Allergy Injections	20%	40%	50%	50%
Ambulance Service	20% (in-network deductible applies)		50% (in-network deductible applies)
Durable Medical Equipment	20%	40%	50%	50%
Home Health, Hospice, and Respite Care	20%	40%	50%	50%
Prescription Drug (Show your ODS Alaska ID card to access discounts at participating pharmacies)	30% (subject to in-network deductible)		50% (subject to in-network deductible)