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It’s four months into the new health insurance plan year, and if provider experiences are any indication, that hasn’t been enough time for people to figure out exactly what “high deductible” — especially as it relates to Los Alamos National Laboratory’s new insurance offerings — means.
As defined by the healthcare.gov glossary, “deductible” is “The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay.
For example, if your deductible is $1,000, your plan won’t pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.”
The glossary further defines “High Deductible Health Plan” as “a plan that features higher deductibles than traditional insurance plans. High deductible health plans (HDHPs) can be combined with a health savings account, or a health reimbursement arrangement to allow you to pay for qualified out-of-pocket medical expenses on a pre-tax basis.”
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