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High-Deductible Health Plan with Health Savings Account

Pacific offers two high-deductible plans with much lower or no-cost premium options. With this plan, you pay a deductible first before the plan pays medical and prescription benefits. Preventive care is covered at 100% with no deductible.

The plan limits the maximum amount of expenses you pay in any year. After your expenses reach that amount, you do not have to pay for any other health care expenses. Premiums are drastically reduced. See the plan outline and summaries for more information.

These plans have the unique feature of a Health Savings Account and lower per-paycheck costs. All of your Preventative Care, screenings and immunizations are paid 100% by the plan.

Eligibility for the Health Savings Account

To be eligible you must be enrolled in a high-deductible plan. You cannot be enrolled in Medicare (including part A) or claimed as a dependent. 

Health Savings Account (HSA)

If you select one of the two High Deductible Health Plans, you are eligible for a tax-free HSA. For 2017, you can contribute $2,150 for single and $4,250 for family. Individuals age 55 or older can contribute an additional amount of $1,000. All contributions belong to you and you can take them and use them for your benefit if you leave Pacific. This is a great way to save for medical expenses in retirement!

In addition to enjoying reduced premiums and 100% preventative care coverage, Pacific also contributes $1,250 for employee only and $2,500 for employee + spouse, employee + child(ren) or employee + family annually to your account.  

Tools and Resources

The following tools and resources can assist you with learning more about the Health Savings Account (HSA) that accompanies a High Deductible Plan, and provides you the ability to make the best health care decision for you and those that depend on you.

1) Know Your Plan

2) Estimate Medical Costs- Preventative Care is covered at 100% with no deductible.

3) Estimate Prescription Costs

  • Explore additional online tools for smart shopping as well as popular stores such as Target, Walgreens and Walmart that provide low cost options for common medications.
  • Kaiser HMO HD w/HSA - Review Kaiser's web resources for more information on how Kaiser high-deductible plans work.
  • Watch a video that explains how Kaiser's members can estimate expenses.
  • Use calculator tools to help you determine how an HSA can reduce your taxes - and grow over time.

4) Using the Card

 Consumer Driven Health Plan-Man smiling

Employee Testimonials

Faculty and Staff have shared their experiences with Pacific's medical plans. See what your fellow co-workers are saying about Pacific's PPO High Deductible with a Health Savings Account and Kaiser High Deductible with a Health Savings Account here.

Questions on Benefit Plans?

If you have questions call the Benefit Resource Center! The following is their contact information: Benefit Resource Center at 1.866.4-Our-BRC (1.866.468.7272) Monday-Friday from 8 a.m. - 5 p.m., or via email at 4ourbrc@kpcom.com. If emailing, please indicate you are a University of the Pacific employee.

 

You can make a change to your Health Savings Account any time during the year. Download and complete a Change Form and return to employee_benefits@pacific.edu to ensure priority processing.