Shield Savings

Is a Shield Savings plan right for you?
These high-deductible health plans offer preventive care before having to meet the deductible,
are compatible with a Health Savings Account (HSA), and offer you protection against major
healthcare expenses.
 
Plan Features
  • To help you stay healthy, preventive care benefits are provided right away for a fixed copayment,
    before meeting any deductible
  • Your out-of-pocket maximum includes your plan deductible, so you’ll pay only up to your plan’s out-of-pocket maximum in a calendar year.
  • No copayment for covered prescription drugs once you meet the out-of-pocket maximum and
    convenient access to a mail service pharmacy benefit.
  • For Shield Savings plans 1800/36002, 2400/4800 and 4000/80002:
    • Once the family deductible is met, all remaining covered family members will have met their deductible. The family deductible can be met by any family member or combination of family members.
  • For Shield Savings plans 35002 and 52002:
    • When two or more family members are on one plan, each covered individual has his or her own individual deductible, in case only one person needs expensive medical care.
  • Compatible with Health Savings Accounts
  • Maternity benefits and well-baby care with no waiting period.
 
Bridge Plan (hospital insurance indemnity rider)
Offered exclusively with Shield Savings Plans 3500, 4000/8000 and 5200

If you’re excited about the cost savings that an HSA-compatible high-deductible health plan offers, but concerned about saving up enough money to pay for your medical deductible should you be hospitalized in the first year, no need to worry. With the Bridge Plan you get the security and peace of mind of helping to supplement your health coverage, during your first year as a member.  Bridge Plan gives you the security of knowing that if something happens before you’ve built up funds in an HSA, you have a backup. The affordable annual premium for the 12-month term of coverage is $60 for an individual and $120 for a family, and will be billed on a monthly basis.
 
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