I set up an HSA based on meeting the deductible requirements. I was under the impression that meeting that requirement was all that was needed. Searching some threads here, that doesn't seem to be the case.
I called my insurance company for clarification. After 10 minutes on hold, I was told that the plan did meet the requirements as HDHP. But, he was basing this on a google search, and the deductible requirement from the same websites I had just looked at. If my insurance company can't properly figure out if they're qualified, how am I supposed to?
But no, its not a qualified plan from what I've found. It would be nice if the HSA sites would add this information in addition to the deductible requirements.
To be qualified as HPHP, the ins company doesn't pay for anything (Dr's visits, prescription until deductible is met).
From IRS.gov
Prescription drug plans. You can have a prescription drug plan, either as part of your HDHP or a separate plan (or rider), and qualify as an eligible individual if the plan doesn’t provide benefits until the minimum annual deductible of the HDHP has been met. If you can receive benefits before that deductible is met, you aren’t an eligible individual