For my ACA exchange coverage, I'm thinking of going with a HSA next year. Can someone provide some clarity on how this works, specifically regarding the benefits listed below? Say I go to the doctor for something minor, and there are no tests or labs, is this office visit really covered for free with no copay? Or do I pay the full contracted cost of the doctor visit? Thanks.
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Are there services
covered before you meet
your deductible?
Yes. In-network primary care visits, office
visits, urgent care visit, outpatient
rehabilitation, outpatient mental health and
chemical dependency services, outpatient
diabetes services, biofeedback,
breastfeeding support, pediatric vision
exam, and most preventive care...
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I'm not sure if you answered your own question or what, but I'm not sure the answer is correct.
First, I'd say it depends on the plan you have.
Second here's a quote from a Healthcare.gov website.
"
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.
Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. Check your plan details.
All Marketplace health plans pay the full cost of certain preventive benefits even before you meet your deductible.
Some plans have separate deductibles for certain services, like prescription drugs.
Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members."
Some of us that can afford it, just pay out of pocket and don't use our HSA. It is a great tax free savings vehicle.
Save all your deductible medical receipts, later you use those expenses to withdraw tax free income.