Health

Health Insurance
Our health plan is administered by Blue Cross Blue Shield of North Dakota. This plan is a Qualified High Deductible Health Plan (QHDHP). By enrolling in this plan, you are eligible to participate in a Health Savings Account (HSA), administered by Discovery Benefits.

Note: Specialty drugs must be received from the preferred Specialty Pharmacy network.
If you get Health Insurance through HIT, Inc. you are able to participate in the BCBSND Healthy Blue online wellness portal and the Health Club Credit.

Following is a summary of the plan:

BCBSND		Open Access Network
Blue Saver 100		In and Out of Network
Annual Deductible	Single	$2,700
	Single + Dep(s)	$4,050
	Family	$5,400
Out-of-Pocket Maximum	Single	$2,700
	Single + Dep(s)	$4,050
	Family	$5,400
Coinsurance (after deductible)		The Plan pays 100% after your deductible has been met
Office Visits		In-Network (BCBSND network)
Wellness Services		Plan Pays 100% - Please refer to the Plan Document for covered services based on member age and type of service
Illness or Injury		After Deductible has been met; Plan pays 100%
Prescription Drugs		In-Network (BCBSND network)
Retail Pharmacy 100-day Supply	Formulary	After Deductible has been met; Plan pays 100%
	Non-Formulary	After Deductible has been met; Plan pays 50%
	Note:	If a brand is chosen over prescribe generic drug, member is responsible for the difference between generic and brand
Mail Order Preferred Pharmacy Only 100-day Supply	Generic	After Deductible has been met; Plan pays 100%
	Preferred Brand	After Deductible has been met; Plan pays 50%
	Note:	If a brand is chosen over prescribe generic drug, member is responsible for the difference between generic and brand

What does the plan cost?

Premium is deducted on a pre-tax basis from 1st and 2nd paychecks of the month.
Pre-tax so you do not pay taxes on the cost of the premium.

Health Insurance BCBSND Blue Saver 100	Monthly Total	Head Start Pays	Employee Pays
Employee Only	$554.36	$490 (88% of premium)	$64.36 ($32.18/check)
Employee + Dependents	$975.74	$860 (88% of premium)	$115.74 ($57.87/check)
Family	$1,441.40	$1,275 (88% of premium)	$166.40 ($83.20/check)

Health Savings Accounts

Must be enrolled in HIT. Inc's health insurance.
Each month Head Start makes a contribution to your HSA based on your plan. The employee may contribute additional amount.
These funds can be to be used for out-of-pocket medical and prescription expenses. For more information refer to IRS Publication 502. In addition, you may use your HSA for qualified dental and vision expenses.
No “use it or lose it rule”
Can change contributions at any time throughout the year
Money must be in your account to use it

2019 Health Savings Account Annual Contribution Limits

	IRS Max Limit	Head Start's Contribution	Employee Max Contribution	55+ Employee Max Contribution
Employee Only	$3,500	$540 ($45/month)	$2,960	$3,960
Employee + Dependents	$7,000	$840 ($70/month)	$6,160	$7,160
Family	$7,000	$1,260 ($105/month)	$5,740	$6,740